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Tennessee Liquor Store Insurance Programs


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Tennessee Alcohol Industry Snapshot

  • In Tennessee, wine and liquor can only be sold in restaurants on Sundays
  • In Tennessee, beer above 10.1% ABV must be sold in a liquor store
  • In Tennessee, for every one liquor store, there are 11,287 people

Tennessee Liquor Store Insurance Programs

Liquor stores deal in a sensitive and popular commodity. Therefore, if you run one, you have a chance to make a sustainable living.

There’s always a chance that an accident or unavoidable hazard could harm your property, assets or clients. Should a damaging incident occur, you need strong business insurance to help you afford repairs and other resulting costs.

Exceed Insurance can help you find the correct policy to meet your localized, unique needs in Tennessee. As an independent insurance agency, we can compare the policy options offered by multiple, reputable insurers. 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: Tennessee 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.

A liquor store in Chattanooga will have different insurance needs than one in Nashville. This is because each individual business in the Volunteer State has specific insurance needs. Exceed Insurance’s professional agents can help you determine a package of policies that is right for you. We will make sure you find affordable insurance that covers you correctly.

Our skilled agents can help you build a liquor store insurance policy. 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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