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Illinois Liquor Store Insurance Programs


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Illinois Alcohol Industry Snapshot

  • Illinois has 9,710 people per liquor store
  • In Illinois, the opening and closing hours of liquor stores are up to the decision of counties or municipalities
  • Illinois grocery stores can sell wine, beer, and spirits

Illinois Liquor Store Insurance Programs

As a liquor store operator, you know the risks you face. Your property, inventory, financial assets and even your customers could face problems in your business. Though you have a chance to run a very profitable enterprise, you need to protect your commodities.

You don’t want your store to suffer following unforeseen losses. You can therefore protect it with a specified, carefully-tailored liquor store insurance policy. In Illinois, you can turn to Exceed Insurance as a trusted partner to help you find the correct coverage. We have collaborated with established, reputable insurance carriers to develop policy offerings aimed specifically at the needs of those in the Land of Lincoln.

Take a look at some of our coverage offerings:

  • 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: Illinois 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.

Liquor stores vary, not only in their types and sizes, but also in their locations. Chicago businesses have different risks and coverage needs than those in Springfield or Moline. Therefore, we will tailor your insurance coverage specifically to you.

Your Exceed Insurance agent will help you find a policy from our network of insurance carriers. We can then ensure that your policy addresses specific concerns as they relate to your business.

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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