Georgia Liquor Store Insurance Programs

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Georgia Alcohol Industry Snapshot

  • Georgia allows local jurisdiction to determine alcohol sales
  • There are no alcohol sales allowed on Christmas Day
  • Grocery stores in Georgia can sell wine and beer, but not spirits
  • Georgia has 11,767 people for every liquor store

Georgia Liquor Store Insurance Programs

Georgia liquor stores need to take the proper precautions to protect their operations and clientele, and minimize financial risks.

Whether you operate a store in Atlanta, Savannah, Athens or elsewhere, you need a tailored policy for your localized business needs. That’s where Exceed Insurance can help. We have collaborated with multiple Georgia insurance companies to offer a wide variety of policy options. We will help you find a policy to protect your liquor store from unforeseen losses.

Some of our policy offerings include:

  • 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: Georgia 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.

Our insurance policies come from companies with established reputations in both Georgia and the greater U.S. One of Exceed Insurance’s agents will compare the options available to you to make sure you get one that meets your operational and budgetary needs.

If you’re ready to get a liquor store insurance policy, we are here to help. Contact us today to get started!

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