Kansas Liquor Store Insurance Programs

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Kansas Alcohol Industry Snapshot

  • Kansas has some of the strictest alcohol laws in the United States
  • 29 counties don’t permit the sale of alcohol on-premises
  • Kansas has 3,822 people per liquor store

Kansas Liquor Store Insurance Programs

Even though Kansas tightly regulates its liquor sales industry, running a store is often a successful commercial endeavor. However, once you start a business, you have an obligation to protect it.

Think about the dangers that might impact your store. Fire, theft or weather might harm your assets. Other accidents could harm your customers. This is where targeted business insurance is a beneficial source of assistance. This coverage can help you obtain the funds to repair or replace various assets when something damages them. It can also help you compensate third parties for their losses.

Exceed Insurance has collaborated with many insurance companies with established local and national reputations. We can help you find a tailored, specialized program for your liquor store in Kansas:

  • 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: Kansas law requires liquor stores to carry workers compensation insurance not only to protect the business from lawsuits, but 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 Bond: 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.

If you run a liquor store in Hiawatha, you will likely have different insurance needs than a store owner in Wichita. The team at Exceed Insurance understands your need for unique, effective coverage. Our agents can help you find a policy that specifically meets your needs. We will make sure your package complies with all local insurance and liquor regulations.

Ready to get a liquor store insurance policy? Contact us today to get started!

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