Beer, Liquor, and Wine Store Insurance

Beer, Liquor & Wine Store
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Why do liquor stores need insurance?

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.

Liquor store salesman showing inventory to a client.
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Find the right coverage

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.

What types of commercial insurance do liquor stores need?

These insurance policies cover the most common risks of liquor sales.
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 commercial property insurance and general liability coverage together.

  • Customer injuries
  • Theft of alcohol
  • Business interruption incidents
General liability insurance icon

General liability insurance

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.

  • 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 bills
  • Disability benefits
  • 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 injuries caused by customers
  • Property damage caused by customers
  • Compliance with dram shop laws
Umbrella / excess liability insurance icon

Commercial umbrella insurance

An umbrella liability insurance policy boosts coverage once the limit is reached on a general liability, employer’s liability, or commercial auto insurance policy.

  • Bodily injury lawsuits
  • Property damage lawsuits
  • Auto accident lawsuits
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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 caused by your vehicle
  • Injuries caused to another person
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

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A small wine shop with a few workers will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Type of business
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Deductibles and other coverage options
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How do I get liquor store insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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