Liquor Store Insurance Programs

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Though owning a liquor store is a great—and often lucrative—business endeavor for many people, the involvement of alcohol has a way of escalating risk. For this reason, it’s prudent to protect your business with a comprehensive liquor store insurance policy.

In addition to the coverage options that can benefit virtually any business, there are various coverage options that are industry-specific to provide you with more protection. An Exceed Insurance agent can help you find the right insurance policy, but you may also wish to browse your options. We’ve listed some of the most common coverage options for you to peruse.

  • Property: Your business owns many physical assets, from the building to inventory to shelving to electronic equipment. This coverage option protects that property from loss due to a covered event.
  • General Liability: Offers financial protection to third parties who suffer a loss at the hands of your business.
  • Equipment Breakdown: If your coolers or cash registers become faulty, you may not be able to operate your business normally. This coverage option can help fund the repair or replacement of broken down equipment.
  • 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.

Is your liquor store backed by the right insurance? Our skilled agents can help you build a policy with the coverage options that best suit the needs of your business. Contact Exceed Insurance today to get started.

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