West Virginia Liquor Store Insurance Programs


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West Virginia Alcohol Industry Snapshot

  • Grocery stores in West Virginia can sell wine, beer and liquor
  • West Virginia maintains a monopoly on the selling of distilled spirits

West Virginia Liquor Store Insurance Programs

Wild and Wonderful, that’s what they call West Virginia. There are plenty of pleasure seekers, as well as hard-working Americans in the heart of coal country. The state’s business atmosphere provides a lot of opportunity for success. So, if you decide to open a liquor store in this mountain state, you can make it a profitable endeavor.

Still, liquor stores are not immune to hazards, damage and liability risks. You must protect your assets in order to protect your livelihood. Liquor store insurance can help you do so. Insurance can help you afford damages without putting a significant dent in your wallet.

At Exceed Insurance, we can help you enroll in a policy specific to your liquor store. You might need coverage 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: West Virginia 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.

If you have a liquor store in Beckley, it will need different insurance from a store in Charleston. This is because every unique business faces unique risks.

The agents at Exceed Insurance understand how to help businesses find the insurance packages that are right for them. We work with established, reputable insurance providers who have footholds in the West Virginia market. By comparing their offerings, we can help you find a strong policy at a price that is right for you.

We are standing by to help you find a liquor store insurance policy that fits you perfectly. Contact us today to get started!

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