What does Liquor Store Insurance Cover?

• Liquor Liability Insurance

  • This coverage protects liquor stores against claims of bodily injury or property damage caused by over serving, failing to identify, and negligence when selling, serving, and distributing liquor.

• Liquor Store General Liability Insurance

  • This coverage protects liquor stores against claims of bodily injury or property damage caused by their operations. For example, if the premises causes damage to customers by them slipping on the floor, a general liability policy will pay for the damages.

• Liquor Store Property Insurance

  • This coverage protects your liquor stores property, furniture, equipment, food, inventory, and supplies, against damage or loss due to events like fire, theft, or vandalism. 

• Liquor Store Workers Compensation Insurance

  • If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. Finding the right work comp for your liquor store business is important. ​

• Auto Insurance

  •  Commercial auto insurance for a liquor store can be a necessity if the liquor store offers delivery. This coverage protects against accidents, property damage, and liability claims while driving company vehicles.