California Liquor Store Insurance Programs

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California Alcohol Industry Snapshot

  • For every liquor store, California has 2,755 people
  • California allows for the sale of contained alcohol only from 6 AM to 2 AM
  • California allows grocery stores to sell all forms of alcohol

California Liquor Store Insurance Programs

Do you own a liquor store in Los Angeles? What about in San Francisco or the Napa Valley? You likely have a chance to run quite a profitable business. Nonetheless, no matter where in California you have your store, you still face risks.

To protect your customers, assets and other parts of your operation, you need a reliable liquor store insurance package. If an unforeseen loss affects your California business, we can help you have the coverage to fight back.

Exceed Insurance has collaborated with many insurance companies and tailored a specialized program for your liquor store in California. Here are some features of the coverage we offer:

  • 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: California 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 liquor stores are the same. Therefore, if you need coverage for your California business, you need a carefully-tailored policy. Exceed Insurance works with multiple insurance carriers that have established strong, reputable policy offerings in California.

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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