Texas Liquor Store Insurance Programs

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Texas Alcohol Industry Snapshot

  • Texas has 10,525 people per liquor store
  • Grocery stores in Texas can sell wine and beer, but not liquor
  • The sale of alcohol in stores on Sundays is prohibited

Texas Liquor Store Insurance Programs

The Lone Star State is not without its fair share of liquor stores. Though they deal in a regulated commodity, Texas liquor store owners still have the opportunity to run a successful business.

Still, hazards might harm the profits, property, assets and clients of any liquor store. Stores from Texarkana to El Paso might need money to repair their operations following a hazard. A strong liquor store insurance package can help them access the funds to afford these repairs.

That’s where Exceed Insurance can help. We have collaborated with multiple Texas insurance companies to offer a wide variety of policy options. Some of our offerings include:

  • 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: Texas 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.

With us, you won’t have to worry that you don’t have the right protection. When you come to Exceed Insurance, one of our agents will compare the available policies from companies with established reputations in both Texas and the greater U.S. We will help you protect your store.

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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