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Washington Liquor Store Insurance Programs


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Washington Alcohol Industry Snapshot

  • In Washington State, wine and beer can be bought at grocery stores and liquor can be bought at stores that are bigger than 10,000 square feet
  • For every liquor store in Washington State, there are 4,926 people

Washington Liquor Store Insurance Programs

Washington State is one of the jewels of the Pacific Northwest, and boasts a strong cultural draw as well as a thriving business sector. If you decide to open up a liquor store in the Evergreen State, you have a wonderful chance of running a successful operation.

Nevertheless, you have to consider the hazards that might impact your store. Incidents like theft, fire, weather or vandalism might damage your property. Other hazards might even harm your customers. One way to make sure you don’t lose money following business damage is to carry reliable business insurance. It can help you avoid paying for commercial damage out of pocket.

You might wonder how to start assembling a liquor store insurance package. That’s where Exceed Insurance can help. We can help you find accurate protection by comparing the policy offerings of multiple, established commercial insurers. These policies can include protection like:

  • 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: Washington 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.

Washington is a diverse state, so the risks your liquor store faces are unique. Seattle businesses will likely need different protection than those in Spokane. We will make sure your package complies with all local insurance and liquor regulations.

At Exceed Insurance, we will help you get effective business insurance. If you are ready to get a liquor store insurance policy, then so are we! Contact us today to get started!

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