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New Jersey Liquor Store Insurance Programs


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New Jersey Alcohol Industry Snapshot

  • New Jersey limits each chain to two licenses, so with only a few exceptions
  • New Jersey allows each municipality control hours of alcohol purchase by local ordinance
  • In New Jersey for every liquor store there are 3,922 people

New Jersey Liquor Store Insurance Programs


Owning and operating a liquor store in New Jersey can be a profitable endeavor, but it could also be a costly one if you do not have the right protection. Exceed Insurance can help you find the right liquor store insurance policy and protect your business against unforeseen losses. Our coverage in Newark, Jersey City, and other New Jersey cities will protect your business and minimize any financial risk you may face. Below are some of our coverage options that can help safeguard your liquor store from unforeseen losses in New Jersey.

Exceed Insurance has collaborated with many insurance companies and tailored a specialized program for your liquor store in New Jersey.

  • Property Coverage: We can provide coverage for your building & your business' personal property. Our property coverage form helps fund repairs and replacement of items associated with your property in case of a covered loss.
  • Business Income Coverage: A suspension of operations may halt business, resulting in a loss of revenue. This coverage option can help cover loss of revenue.
  • Equipment Breakdown: Broken air conditioning systems, coolers, and registers can all be costly expenditures without the right insurance. This coverage helps fund repairs so you don’t lose revenue fixing it alone.
  • General Liability: Guests or other third parties who suffer a loss on your property because of any negligence may seek damages. This coverage offers protection against these financial consequences.
  • Employment Practices Liability: Employee allegations of discrimination, wrongful termination, harassment, or other employment related issues can lead to costly legal fees. This coverage will help alleviate the cost.
  • Commercial Crime: Guests and employees may end up stealing from your liquor store. They may commit various other criminal acts as well. This coverage offers financial protection in these circumstances.
  • Workers Compensation: Workers compensation is only available through the New Jersey Bureau of Workers Compensation.
With such an assortment of liquor store types and sizes, it is critical to ensure that your New Jersey liquor store has the right coverage. Liquor stores in Vineland will bring in a very different clientele than Trenton liquor stores might.

Exceed Insurance has collaborated with multiple insurance carriers with local, regional, and national presence. All our insurance partners have a strong local representation in New Jersey and throughout the country. Our skilled agents can help you build a liquor store insurance policy to best meet your needs. Contact us today to get started!
  • AAA
  • Allied
  • Berkshire Hathaway Guard
  • Grange
  • The Hartford
  • Liberty Mutual
  • Progressive
  • Safeco
  • TransAmerica
  • Travelers
  • Victoria
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