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July 14, 2012 | 1:35 PM

“Studies show insurance premiums may only cover approximately one-half the cost of risk. Unfortunately, most wineries stop managing risk with the mere purchase of insurance. In many cases, this does not accurately reflect their needs.”
 

Ed Kempkey, Kempkey Risk Management, Survey Report: Facilities, Risk Management, Wine Business Monthly, July 2012
 

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