Iowa Liquor Store Insurance Programs


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Iowa Alcohol Industry Snapshot

  • Iowa only allows for the sale of alcohol from 6 AM – 2 AM Monday – Saturday and 8 AM – 2 AM on Sunday
  • Iowa grocery stores can sell wine, beer, and spirits

Iowa Liquor Store Insurance Programs

You want to protect your Iowa liquor store from unforeseeable hazards. When damage strikes, you want to repair it quickly. Failing to protect your business may mean you make it hard for the business to operate, or even survive.

If you’re in the alcohol sales industry in Iowa, you need an effective, comprehensive liquor store insurance package. The right coverage will help protect you in case a sudden problem harms your business, assets or customers.

Exceed Insurance knows that you need a unique policy, and that’s why we expertly tailor coverage to meet your local risks. Whether you have a store in Des Moines, Sioux City or another part of the state, we can help you find the right policy. Take a look at some of the options 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: Iowa 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 has to have the right coverage if it wants to recover following a damaging incident. Exceed Insurance understands this, and we work with multiple, reputable insurance companies that have strong presences in Iowa. We will make sure your unique business has the 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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