Utah Liquor Store Insurance Programs

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Utah Alcohol Industry Snapshot

  • In Utah, alcohol is only allowed to be served in a restaurant with food
  • Grocery stores can sell wine and beer under 4% ABV, but not liquor in Utah
  • For every liquor store in Utah, there are 19,828 people

Utah Liquor Store Insurance Programs

Running a business means a lot of chances for success. However, you have to protect the assets, commodities and clients in your store. If you have a liquor store in Utah, think about the risks you might face. As liquor sales deal with a regulated and sensitive commodity, damage or other losses could mean you lose considerable funds. Get a strong commercial insurance package to help cover your risks.

That’s where Exceed Insurance can come in. We can help you research and enroll in a business insurance package that can get you the money you need when the unexpected strikes. Below are some of our coverage options:

  • 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: Utah 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 so many options, you might wonder where to start. After all, it is critical that you get an insurance policy that’s right for you.

The thing to remember is that no two Utah businesses are alike. Location, structure and assets all combine to create a specific risk profile that needs tailored coverage. Your liquor store in Salt Lake City will have different insurance needs than one in Provo or Ogden. It’s critical that you talk to one of the agents at Exceed Insurance. We can compare the policy offerings of multiple, reputable insurance carriers to help you pinpoint the right policy.

Ready to build a liquor store insurance policy to protect your store? Contact us today to get started!

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