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Beer, Liquor & Wine Stores
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Insurance For Beer, Liquor & Wine Stores

Owning a beer, liquor and wine store can be quite profitable. It lets you sell a product that is always in demand regardless of how good or bad the economy may be fairing. Being successful with this type of business takes a lot of planning, hard work, and monetary investments. Now that you’ve made it past all of those start up struggles, make sure you don’t lose it all by having inadequate commercial insurance protection.

General Liability

A general liability insurance policy protects your business from a number of potential accidents, hazards and disasters. For example, if a customer knocks a bottle of alcohol off the display shelf in your store and receives cuts and scrapes from the shattered glass, a general liability policy will cover his medical expenses. If a customer’s car is dented while in your parking lot, general liability will pay for those damages as well.

Business Owners Policy (bop)

General Liability
Property Coverage
Workers Compensation
liquor store Small Business Insurance
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General liability can be purchased alone, but it is included with a more comprehensive small business insurance package known as a business owners policy (BOP). A BOP can be custom tailored to provide just the right types of insurance your liquor store needs.

Workers Comp

Legally you must cover your employees with workers comp insurance. This pays for their medical bills and related expenses if they are ever injured while doing their job.

Surety Bond

Local laws and ordinances may require your liquor store to be bonded. A surety bond is a guarantee. It can guarantee that you will provide specific services, or that you have enough collateral to operate your business, or that you will pay local business taxes appropriately.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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