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Nevada Liquor Store Insurance Programs


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Nevada Alcohol Industry Snapshot

  • Nevada allows for the purchase of alcohol at all hours
  • There are few restrictions on the sale of alcohol in Nevada aside from age restrictions

Nevada Liquor Store Insurance Programs

Running a liquor store in Nevada is often a profitable venture. However, you have to protect the assets of your business. Failing to do so could wind up costing you money. If a dangerous hazard were to destroy your business or products, or harm your customers, you might have to pay.

By protecting the business with strong liquor store insurance, you can afford to fix such damage when it occurs. In Nevada, you can turn to Exceed Insurance as a trusted partner to help you find the correct coverage. We can help you enroll 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: Nevada 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 that every liquor store varies. Businesses in Las Vegas will need different protection than those in Elko or elsewhere. That’s why we collaborate with multiple insurance carriers with strong presences in Nevada and throughout the U.S. We can compare multiple policy options to get you affordable, yet efficient coverage.

Our skilled agents can help you build a liquor store insurance policy to best meet your needs. Contact us today to get started!

  • AAA
  • Allied
  • Berkshire Hathaway Guard
  • Grange
  • The Hartford
  • Liberty Mutual
  • Progressive
  • Safeco
  • TransAmerica
  • Travelers
  • Victoria
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