Liquor Store Insurance
Know your business is properly and fully covered with liquor insurance and liquor store coverage.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Protect your business with insurance for liquor stores.
From customer slip-and-fall injuries to liability as a result of accidents in company-owned vehicles, liquor store owners have to be prepared for the potential financial impact from a wide range of risks. At biBerk, we provide tailored liquor store insurance coverage at savings of up to 20%. Whether you need Workers' Compensation, general liquor liability insurance, a Business Owners Policy or BOP (sometimes called property & liability insurance), Commercial Auto, Umbrella, or Cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBerk, you can purchase a policy, manage it, and report claims online for ultimate convenience.
What is liquor liability insurance?
What is liquor liability insurance?
Liability laws vary by state, but liquor stores can be held responsible for selling alcohol to minors or intoxicated customers. Because of this, you may need liquor store insurance coverage, such as a liquor liability insurance add-on to your General Liability policy. You should also consider other small business insurance options. A Business Owners Policy (BOP), which is also called property & liability insurance, combines general liability and commercial property coverage. It can protect against injuries to non-employees, theft, vandalism, lost inventory due to accidents or natural disasters, and even equipment failures like broken coolers. Many BOPs can also include a liquor liability add-on. Workers’ Compensation provides coverage for employees in case of on-the-job injuries or illnesses. Having the right insurance for your liquor store ensures financial protection when unexpected events occur.
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What are the different types of insurance coverage for liquor stores?
Liquor liability insurance companies should offer a range of options to make sure your needs are met. At biBerk, we’re not exclusively a liquor liability insurance company, but we do offer six different types of liquor insurance. Depending on the location of your business and other factors, certain types of liquor store insurance might be better for you than others.
General Liability insurance
Also known as commercial liability insurance, a General Liability policy is important because it covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including liquor liability, Cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policy
Also called property & liability insurance, a Business Owners Policy (BOP) combines General Liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including Cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Commercial Auto insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Cyber insurance
This coverage can be purchased as an add-on to a General Liability, Professional Liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Umbrella insurance
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an Umbrella policy to protect your company.
What does liquor insurance cost?
What does liquor insurance cost?
Your liquor insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get convenient online quotes for liquor liability insurance costs and other liquor coverage in minutes online.
Why biBerk for liquor store insurance?
We’re the experts when it comes to small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2023.
