Indiana Liquor Store Insurance Programs

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Indiana Alcohol Industry Snapshot

  • In Indiana, alcohol sales are not prohibited on Sunday, except at local wineries, breweries, and distilleries
  • Indiana prohibits the sales of cold beer by grocery stores or gas stations, but allows cold beer to be sold from liquor stores
  • Indiana has 18,210 people for every liquor store

Indiana Liquor Store Insurance Programs

When you open a liquor store in Indiana, you need to protect the assets of your trade. These may include your profits, customers and property. If you fail to protect these items, you could face devastating financial losses following an unforeseen hazard.

To protect yourself from perils, invest in a comprehensive liquor store insurance package. That’s where we come in. Exceed Insurance can help you find a liquor store insurance policy that covers your unique risks. With us, you can get coverage that minimizes the financial risks that may threaten your business.

Below are some of our coverage options that can help safeguard your liquor store from unforeseen losses in Indianapolis, Gary and cities throughout the state.

  • 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: Indiana 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.

Your liquor store is unique. Location, structure and assets all combine to create a specific risk profile that needs tailored coverage. It is critical that you get a policy that’s right for you, and Exceed Insurance can help. We’ve collaborated with multiple insurance carriers, each of which has a strong presence in Indiana. Therefore, we can compare the options these companies offer to get the coverage that’s right for you.

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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