Kentucky Liquor Store Insurance Programs

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Kentucky Alcohol Industry Snapshot

  • Kentucky has 4,793 people per liquor store
  • 39 Kentucky counties in the state are dry — which means all alcohol sales are prohibited

Kentucky Liquor Store Insurance Programs

Kentucky is famous for its Bourbon. Indeed, if you go into the business of alcohol sales in the Bluegrass State, you have a chance to build a profitable business.

Still, alcohol sales deal in a sensitive and expensive product. Should something damage or destroy your business, it could financially ruin everything you’ve tried to build. Following such incidents, you will likely need assistance to help rebuild the operation.

Exceed Insurance can help you find commercial insurance for your liquor store. Ask our agents about enrolling in:

  • 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: Kentucky 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.

The team at Exceed Insurance understands you will need coverage to protect your store. Our agents can compare policy options from multiple insurers to help you build effective coverage. We will secure business insurance for your store whether you work in Lexington or Boone County.

Our coverage can protect businesses throughout Kentucky.

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

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