Liquor Store Insurance

Get business insurance with optimized coverage to meet your exact needs

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Better, Regardless of Your Size

  • Need a free liquor store insurance quote now? We have one

  • Effortless insurance policy processing for liquor stores

  • Affordable insurance plans for your liquor store

  • The best liquor store insurance without the compromise

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

When you also have equipment or operate from a store


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

PRO

Get protected against employment-related issues


Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Business Interruption, Cyber Liability, etc.

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We will take care of the switching hassle.

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Frequently Asked Questions

Why do Liquor Stores need insurance?

This industry consists of businesses such as beer stores, duty-free liquor shops, liquor stores, and wine shops.

Your business has its unique set of risks that could cost you all of your business assets trying to fix. For example, a slip-and-fall claim could cost you thousands of dollars for the attorney and court fees, not to mention the damages to be paid if the court decision isn’t in your favor. You can protect your finances by just paying a monthly insurance fee so the attorney, court fees and other covered costs would be paid should your business get sued.

What risks do Liquor Stores face?

Your business has a unique set of risks. Below are some of these:

  • The liquor you sold in your store caused a customer to be sick.
  • A client visits your store and slips on a liquor spill that you are about to clean. This caused your client to suffer injuries.
  • Your employee becomes injured while preparing the crates for your liquor.

How much does Liquor Store Insurance cost?

The cost of insurance for liquor stores will be unique to your business as insurance companies identify the cost by the number of employees you have, the size of your business and the coverage needed. Without taking these into account, below are the average cost of insurance policies for liquor stores:

  • General Liability insurance costs around $500 in annual premiums.
  • Product Liability insurance costs $600 in annual premiums.
  • Workers' Compensation insurance costs $1200 in annual premiums.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

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Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

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State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

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