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

    If you need liquor store insurance, then you’re in the right place. To get the quote for your insurance, just fill out our online application, and we’ll send your quote as soon as you’re done. No more queuing, no more traveling for miles to get insured!

  • Effortless insurance policy processing for liquor stores

    All it takes is a few minutes to get a quote and purchase your insurance policy. Our insurance plans are available not just online, but by phone as well. It's all hassle free, 24/7. Whatever you prefer, CoverWallet is ready to help you.

  • Affordable insurance plans for your liquor store

    Our insurance plans are custom-made for liquor stores, making them more affordable as they are specific to the unique needs of your business. This allows for better coverage but with reduced costs than what your traditional insurance policies can offer.

  • The best liquor store insurance without the compromise

    Don’t worry, we can protect your liquor store according to your needs. We will make sure that you have the right coverage. Simply give our insurance experts a call or apply for a free quote online to get the right insurance for your business needs and budget.

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
39
Month
Instant quote »

Includes:

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

STANDARD

When you also have equipment or operate from a store

General Liability + Property (bundle them with a BOP)

From
49
Month
Instant quote »

All Basic plan benefits and:

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

PRO

Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

From
49
Month
Instant quote »

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

Get PRO plan

CUSTOM

When you have specific requirements

Including Business Interruption, Cyber Liability, etc.

From
___
Month
Instant quote »

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Business Owners Policy

Business Owners Policy (BOP) combines Commercial Property and General Liability into one package to help with cost savings. These are a bundled plan excellent for small to mid-size businesses as it saves money compared to buying it individually. Additional policies, like Cyber Liability or Business Interruption, can be added to help tailor the coverage for your business needs.

Workers Compensation

Your business is legally responsible for employee safety at the workplace. That is why you need Workers' Compensation insurance, to cover the injuries that happen at work. The insurance covers for the medical care when employees are injured. It can also cover employees income until they can return to work. In exchange, employees relinquish the right to sue you for employer negligence.

Crime

Crime insurance offers a variety of protection against business-related crimes. It protects your business against employee dishonesty, money or securities theft, burglary or robbery and other crime-related losses that are not usually covered by your Commercial Property insurance.

Product Liability

When the liquor you sold is proven to have caused someone to suffer personal injury, Product Liability insurance can help. This insurance will protect against claims of property damage or personal injury from the products you sold or supplied. It is designed to protect your business so when it happens, you don’t have to pay for legal and court fees.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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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Testimonial John White

Personalized Service

5 stars service

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!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

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.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

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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