Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Independent liquor and package stores
- Wine and specialty beverage retailers
- Beer, wine, and spirits stores
- Eligible alcohol retailers with delivery or online ordering
- Multi-location package retail operations
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Income
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Crime Coverage
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Liquor Liability where applicable
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Cyber Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Products, alcohol sales, food or tobacco sales, and delivery operations
- Locations, hours, customer traffic, employees, and payroll
- Building, improvements, equipment, inventory, and seasonal peaks
- Cameras, alarms, safes, cash controls, ID procedures, and licensing
- Claims, lease requirements, requested limits, and effective date
Frequently asked questions
What information is important for a liquor store insurance review?
Sales mix, hours, location, inventory, delivery, security, employees, licensing, loss history, property values, and whether alcohol is consumed on premises can affect the appropriate coverage and available terms.
Is liquor liability automatically included for a retail store?
Do not assume it is. Exposure and coverage depend on state law, operations, consumption, delivery, events, and the actual policy. Review the offered terms and applicable requirements.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.