Business Insurance for Beer, Liquor, and Wine Stores

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Beer, Liquor & Wine Store
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The unfortunate reality is that risks are high when you sell alcohol. Liquor store insurance provides financial protection against lawsuits, theft, fires, and other incidents that threaten your business.

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Multiple quotes with one application

Insureon helps beer, wine, and liquor store owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of commercial insurance do liquor stores need?

These policies cover common risks faced by beer, liquor, and wine shops.
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for beer, wine, and liquor stores to buy a general liability policy and commercial property insurance together.

  • Customer injuries
  • Theft of alcohol
  • Business interruptions
General liability insurance icon

General liability insurance

Commercial general liability insurance covers common third-party risks, such as a customer slipping in a spill at a wine store and breaking a wrist or their smartphone.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for beer and liquor stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Employee injury lawsuits
Liquor liability insurance icon

Liquor liability insurance

Liquor liability coverage pays for legal expenses if your store sells alcoholic beverages to a person who then harms others or damages property while intoxicated.

  • Bodily injury caused by customers
  • Property damage caused by customers
  • Compliance with dram shop laws
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This type of insurance boosts coverage on your small business's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. It helps cover legal costs and property damage in an accident involving a liquor store's vehicle.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do liquor stores need insurance coverage?

A large stock of breakable inventory and the chance of an intoxicated customer causing harm means high liability for a liquor store. Wine, liquor, and beer store insurance helps cover fires, theft, lawsuits, and injuries so you can keep serving customers after an unexpected incident.

How much does insurance cost for retail stores?

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Several factors will have an impact on insurance costs, including:

  • Type of business
  • Business equipment and property
  • Business income
  • Location
  • Number of employees
  • Policy limits and deductible
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Beer, Liquor & Wine Store