A large stock of breakable inventory and the chance of an intoxicated customer causing harm means high liability for a liquor store. Small business insurance helps cover fires, theft, lawsuits, and injuries so you can keep serving customers after an unexpected incident.
Insureon helps beer, wine, and liquor store owners find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
A business owner's policy, or BOP, is a cost-effective way for beer, wine, and liquor stores to buy commercial property insurance and general liability coverage together.
A general liability policy covers basic third-party risks. For example, a customer who slips in a spill at a wine store might break a wrist or damage their smartphone.
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.
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.
An umbrella liability insurance policy boosts coverage once the limit is reached on a general liability, employer’s liability, or commercial auto insurance policy.
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.
A small wine shop with a few workers will pay less for insurance than a larger business.
Factors that affect premiums include:
It's easy to get beer, wine, and liquor store business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your liquor shop, bar, or convenience store, whether you work independently or hire employees.