Ohio Liquor Store Insurance Programs

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Ohio Alcohol Industry Snapshot

  • In Ohio, for every one liquor store there are 13,792 people
  • Ohio only allows for the sale of wine under ABV 21%

Ohio Liquor Store Insurance Programs

You need effective, comprehensive insurance for your Ohio liquor store. This coverage will help protect you in case a sudden disaster harms your products, clients or assets. Running a liquor store is often a very profitable endeavor. However, you have to take care to protect it. That’s where Exceed Insurance can help. We will help you find and enroll in commercial insurance policies that will ensure you don’t pay exorbitant sums trying to repair and reopen your business.

Take a look at some of the options we offer:

  • 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: Ohio 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.

Whether you live in Columbus, Akron, Cleveland or any other part of the Buckeye State, you will need a strong liquor store insurance policy. The right insurance will help you obtain the funds to repair your business without damaging your bottom line. At the end of the day, sustaining your business and safely serving the public is paramount to success. Insurance will play an important role in that goal.

As an independent insurance agency, Exceed Insurance can compare the policy offerings of a wide variety of reputable insurance carriers. That way, we can help you select a policy that meets your coverage and price needs.

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

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