Liquor stores face high-risk exposures, including alcohol sales, late-night operations, and heavy customer traffic. The core coverages include:
- General Liability – Protects against third-party injury or property damage, such as slip-and-fall accidents.
- Liquor Liability – Essential for businesses that sell alcohol; covers claims if a customer causes harm or damage after purchasing alcohol at your store.
- Commercial Property Insurance – Covers your storefront, refrigeration systems, shelving, and inventory against fire, theft, or vandalism.
- Workers’ Compensation – Required in most states if you employ staff; covers workplace injuries like lifting injuries or cuts from broken bottles.
- Commercial Auto Insurance – Necessary if you offer delivery services or transport alcohol stock.
