Arkansas Liquor Store Insurance Programs


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Arkansas Alcohol Industry Snapshot

  • Arkansas has 9,274 people for every liquor store
  • Arkansas grocery stores can sell wine and beer, but not spirits
  • Arkansas liquor stores must be closed Sundays and Mondays between 12:00 AM and 1:00 AM, or on any other days between the hours of 1:00 AM and 7:00 AM

Arkansas Liquor Store Insurance Programs

Do you own a liquor store in Arkansas? If so, you’re looking at the chance to run a profitable business.

Nonetheless, you deal in an expensive and sensitive commodity. You need to carry the correct commercial insurance as a result. Exceed Insurance can help you find the correct policy to meet your localized, unique needs.

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

  • 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: Arkansas 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.

No two Arkansas businesses are alike. Therefore, liquor stores in Little Rock differ from those in Fort Smith concerning what coverage they need. This assortment of businesses makes it critical for you to get a unique policy pertaining directly to you. At Exceed Insurance, our agents can compare multiple policy options from recognized, established Arkansas insurers. By using this method, we can make sure you get 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!

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