Missouri Liquor Store Insurance Programs


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Missouri Alcohol Industry Snapshot

  • Missouri has one liquor store for every 1300 people
  • In Missouri, wine, beer, and spirits can be bought at grocery stores
  • Missouri is one of the most alcohol permissive states

Missouri Liquor Store Insurance Programs

If you decide to open a liquor store in Missouri, you have a great chance for profit. However, what if an accident were to destroy your business or products? With liquor store insurance, you can protect yourself from financial ruin if you find yourself footing the bill for accident damages.

Exceed Insurance can help liquor store owners throughout Missouri. We collaborate with multiple insurance agencies that have strong reputations throughout the Show Me state and nationally. Our team can compare various policy options to get you appropriate coverage. You might need to carry:

  • 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: Missouri 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.

When working with Exceed Insurance, you will walk away satisfied and knowing that your business has protection. Whether you own a store in St. Louis or Jefferson City, the right insurance can help you protect your business assets from harmful losses. Your policy can help you repair your business, replace stock and keep the bills paid.

If you’re ready to get a liquor store insurance policy, then we are here to help. Contact us today to get started!

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