Arizona Liquor Store Insurance Programs

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Arizona Alcohol Industry Snapshot

  • Arizona has 3.1 liquor stores per every 100,000 people
  • Arizona alcohol sales are prohibited between 12 am until 12 pm on Sundays in some counties
  • Arizona grocery stores can sell wine and beer, but not spirits

Arizona Liquor Store Insurance Programs

The liability and profit risks associated with liquor store ownership are numerous. You owe your customers a safe environment, and you also have a duty to protect your employees and assets. Like all commercial operations, liquor stores need targeted, efficient insurance coverage.

Running a liquor store in Arizona can be a very profitable experience. However, to protect your profit, you need the right coverage. Let Exceed Insurance help you find a policy that minimizes any financial and personal risks you may face.

Exceed Insurance has collaborated with many insurance companies with established local and national reputations. Therefore, we can offer you a tailored, specialized program for your liquor store in Arizona:

  • Property Coverage: We can provide coverage for your building and 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.
  • 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: Arizona law requires liquor stores to carry workers compensation insurance not only to protect the business from lawsuits, but also to also protect injured workers.
  • Loss of Use: If a covered incident causes you to temporarily close your business, this coverage can help cover lost income so you’re able to continue funding the business’ financial obligations.
  • Data Protection: Depending on your policy, this coverage option can help protect your electronic files, records and licensing paperwork.
  • Employee Dishonesty: Protects your business from employees’ acts of dishonesty, including theft, fraud or embezzlement.
  • Surety Bonds: Depending on local laws and ordinances, you may be required to purchase certain surety bonds. They act as guarantees that you have enough collateral to continue operating your business.

We understand that every liquor store is unique, and we offer a variety of policies to cover your local needs. For example, Phoenix business owners have different risks than those in Scottsdale. With such an assortment of liquor store types and sizes, it is critical to ensure that your Arizona liquor store has the right protection. When you work with us, you will find appropriate coverage.

Our skilled agents can help you build a liquor store insurance policy to best meet your needs. Contact us today to get started!

Additional Resources

Berkshire Hathaway Guard
The Hartford
Liberty Mutual
Indiana Farmer
Universal Property
State Auto
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