Liquor Store Insurance

A liquor store is a great business venture, however, since it involves selling alcohol it comes with a lot of potential risks too. You are legally liable for any harm caused to a third party any of your customers.

Such legal claims can burn a hole in your pocket and affect a well-functioning business. At Exceed Insurance, our insurance agents work with you to cover your business from all kinds of risks and help you be prepared for a rainy day.

What is Liquor Store Insurance?

Liquor Store Insurance is a comprehensive policy that settles your financial claims for any type of damage caused to your property, equipment, or business income.

It can also pay for financial damages caused to a third party by your patrons.

Lines of Insurance

General Liability Insurance

Pays for the damages that occur from an accident of a customer in the store premises.

Workers Compensation Insurance

Pays for medical costs or loss of income situations that result from an on-the-job injury for your employees.

Data Protection Insurance

Settles any claims from a data breach or manage the losses that occur due to the hacking of computer systems.

Umbrella Liability Insurance

Pays for additional expenses incurred that may not be covered in your general liability coverage.

Liquor Liability Insurance

Helps settle claims for a situation where a guest causes harm a third-party under the influence of alcohol.

Additional Coverages

Property Coverage

Pays for any damages caused to your store property and contents in it.

Business Income Coverage

Helps you sustain any losses, pay the bills, take care of repairs in situations when you may have to temporarily close business for a few days.

Employee Dishonesty Coverage

Pays for any losses that may occur if your employees steal from the business.

Equipment/Machinery Breakdown Protection

Pays for repair and replacement costs for any equipment breakdown. 

Surety Bond Insurance

Guarantees that you have enough collateral to continue operating your business with regard to local laws and ordinances.

FAQs

If a patron hurts a third party under the influence of alcohol, will the losses to the third party be covered?

Yes, the liquor liability coverage makes sure that you are covered in such situations.

Are there any discounts on plans?

We will offer you multiple policy options keeping in mind what works best for you, coverage-wise, and cost-wise.

How do I file a claim?

All you need to do is, get in touch with one of our insurance agents and they will guide you through the process.

Why choose Exceed Insurance Agency for Liquor Store Insurance?

Our extensive knowledge and 20+ years of experience in the insurance industry helps us to assist you with the best plans in the market.

Will my policy cover bad product claims?

The umbrella liability insurance takes care of any additional expenses that may not be covered in your existing policy.

How much will my premium be?

Your premium depends on the size of your business and how elaborate your policy is. Consult our insurance agents and they will offer you the most cost-effective policies.

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