Insurance for liquor stores.

Liquor liability, general liability, property, and crime coverage for liquor, beer, and wine stores, including tastings, delivery, and the high-value bottles behind the counter.

What liquor stores usually carry

Liquor liability
General liability, $1M / $2M
Inventory and fixtures
Crime and robbery
Hired and non-owned auto
Business income
Workers’ comp

Watch for these in a liquor store policy

Sales to minorsA sale to someone underage or already drunk is the main liquor claim a package store faces. Many carriers credit seller training and ID scanners.
In-store tastingsSome package store liquor policies cover sales only, not drinks poured on site. Add tastings before you host one.
DeliveryDelivering alcohol adds driving and an age check at the door. Some liquor policies exclude delivery unless it is listed.
Rare bottlesAllocated bourbon and fine wine are theft targets. Carriers ask where they are kept, and your stock limit should reflect what they would cost to replace.
Break-insLiquor stores are frequent burglary targets. Many carriers ask for a monitored alarm and grates or security film on the glass.

What landlords and licensing boards ask liquor stores for

Liquor liabilityRequired with some license applications and renewals, often at $1M.
Additional insuredLandlords want to be named on general liability and liquor liability.
Waiver of subrogationCommon in retail leases, on property and liability.
UmbrellaSome leases require one that sits over liquor liability as well.

Questions liquor stores ask

Straight answers.

The questions we hear most, answered plainly.

How is liquor store insurance priced?

Liquor liability is rated on alcohol sales, and property on your stock and fixtures. Hours, tastings, delivery, and your alarm and camera setup move it.

Can a liquor store be sued for what a customer does after buying?

Yes. In many states a store that sells to a minor or a visibly drunk customer can be sued for injuries that follow. Liquor liability defends and pays those claims.