Vineyard crews
Year-round crew, harvest hires and H-2A workers. Coverage they'll actually enroll in, explained in English and Spanish.
Vineyards & growers
For vineyards · wineries · tasting rooms
Benefits as carefully made as your wine.
Benefits strategy for your harvest crew, your cellar team, your tasting room and your family. Designed by advisors who know the difference.
Online Enrollment and reporting availableBilingual enrollmentReply within one business day
Who we serve
Built for every part of your operation
A winery isn't one workforce. It's three or four, each with its own hours, pay and needs. We design for all of them at once.
Cellar & production
Physical, skilled work. Health, disability and accident coverage that protects the people who make the wine.
Wineries & cellarsTasting room & hospitality
Part-time, weekend and event staff. Simple eligibility tracking and flexible options like ICHRA.
Tasting roomsOwners & family
Your own coverage, key-person protection and succession planning for the next vintage and the next generation.
Family-owned estatesHarvest changes everything
Your headcount doubles at harvest. Is your plan ready?
Seasonal hiring can change which ACA rules apply to you, who's eligible and what it costs. Most brokers don't ask. We start there.
120
days. If seasonal hires push you over 50 full-time employees for 120 days or fewer, you may not count as a large employer under the ACA.
Source: IRS employer guidance80%
How we plan for harvest When employers paid less than 80% of the premium, vineyard workers' enrollment and satisfaction dropped sharply.
Source: California Agriculture, 2025 study of 497 Napa vineyard workersHarvest Headcount Check
A quick estimate of how harvest affects your ACA status.
An estimate only, not tax or legal advice. Full-time-equivalent counting and the seasonal-worker exception have details we'll review with you.
Solutions
Everything your people need, under one roof
We shop the market, design the plan and handle the paperwork, then stay with you through every renewal and every claim question.
Group health
Fully insured, level-funded and ICHRA options, benchmarked against wineries your size.
Seasonal & harvest coverage
Affordable options for short-term crews, plus telehealth for rural vineyards.
Dental, vision & life
The extras that keep good people from leaving after harvest.
Retirement & state mandates
Simple 401(k) plans that also satisfy CalSavers, OregonSaves and other state rules.
Workers' comp & risk
Coverage for crews in the heat, H-2A requirements and accident protection.
HR, compliance & COBRA
ACA reporting, eligibility tracking and COBRA handled for you.
How we work
Four steps, one advisor, no surprises
1
Listen
A 15-minute conversation about your crews, your calendar and what's not working today.
2
Benchmark
See what wineries and vineyards like yours offer and pay, before you decide anything.
3
Design
A plan for each part of your workforce, with contribution levels people actually enroll at.
4
Take care
Bilingual enrollment, one-business-day answers and help with every claim, all year.
Why it matters
Wine is a people business. So are benefits.
927,000
people work directly in the U.S. wine industry.
WineAmerica, 202587%
average employer share of health costs among Sonoma and Napa wineries that contribute.
Arrow Benefits Group survey, via North Bay Business Journal11,107
U.S. wineries competing for the same skilled people in 2026.
Wine Economist, 2026"We've had a relationship with Todd and his team for over a decade. There really is a difference when you have a specialist and an expert in your corner."
From the blog
Weather Challenges: Preparing Your Vineyard for Success
by Todd Anderson
Weather preparedness and tailored insurance are vital for vineyards and wineries. Vintner Benefits offers custom solutions for risk management and employee satisfaction.
Read more →Ready to build a benefits plan your crews will actually use?
Tell us about your operation. We'll come back within one business day with a clear picture of your options.