Oregon Liquor Store Insurance Programs

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Oregon Alcohol Industry Snapshot

  • All liquor in Oregon is sold in private liquor stores
  • Alcohol is only allowed to be sold between 7 am to 2:30 am in Oregon

Oregon Liquor Store Insurance Programs

Oregon offers scenic beauty and a thriving cultural life for its residents and visitors. Whether on the coast or in the interior, business owners have an opportunity to run profitable operations. If your business is a liquor store, you can likely become a player in your local economy.

Despite its benefits, running a liquor store comes with risks. A damaging incident or disaster could impact your ability to do business. You might need money to rebuild. Without the right funds, the store might fail. That’s where business insurance can come in handy.

Exceed Insurance can help you develop a liquor store insurance package that will help you in case of unforeseen damage. We can make sure you don’t have to pay excessively out-of-pocket should something harm your property, assets or clients.

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: Oregon 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.

It’s easy to assume that all liquor stores need the same insurance. However, you’d be wrong. Oregon is a diverse state and no two of its businesses are alike. A store in Portland will be different from a store in Salem. They will therefore have different insurance needs.

Exceed Insurance understands how individual businesses need unique coverage. As an independent agency, we can compare the policies offered by multiple, established Oregon insurance carriers. This will help us pinpoint a policy that can help you sustain your business. At the end of the day, our goal is to ensure that you have the right protection when you need it.

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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