Owning a liquor store presents a unique set of risks.
Selling alcohol to a minor
Selling to an intoxicated customer
Using your personal vehicle for company business
Employee theft
Contaminated products
Customer who slips and falls leaving your business
We offer a broad range of insurance products to ensure you are covered for these and many other situations.
General Liability – protects your business from a number of potential accidents, hazards and disasters. For example if a sign falls off your building and harms a customer or their vehicle or if a bottle of alcohol falls and a customer is hurt. A general liability policy is designed to cover the medical expenses or pay for the repairs.
Equipment Breakdown – Equipment such as your coolers, point of sale systems and computers are critical to the successful continued operations of your business. Replacing and repairing these items can be very expensive if they break down.
Buildings and Contents – Besides the people part of your business, the physical part of your business including your building and inventory are critical to your ability to run your business. If a fire ravages your property or if a storm causes a major leak in your roof ruining your building and inventory this coverage is designed to protect you.
Business Income and Extra Expense – Big disasters and emergencies can cause you to close your business for an extended period of time until repairs are made or inventory is replaced. Not only do you lose income, but also you will have extra expenses to get things back up and running. This coverage provides the necessary funds to get you back on track.
Electronic Data – Protection for your electronic files and records including data breach.
Valuable Papers Protection – Provides coverage for the cost to replace licensing and regulation paperwork plus required paperwork from suppliers in the event they are lost or damaged.
Employee Dishonesty Coverage – Provides coverage for example if an employee commits dishonest acts such as stealing from the cash register, giving free products to friends, or using company assets without authorization.
“All in one” Business Owners Policies – You may want to consider a Business Owners Policy, often referred to as a “BOP.” It can combine the coverage above into a single policy with comprehensive coverage.
Selling alcohol to a minor
Selling to an intoxicated customer
Using your personal vehicle for company business
Employee theft
Contaminated products
Customer who slips and falls leaving your business
We offer a broad range of insurance products to ensure you are covered for these and many other situations.
General Liability – protects your business from a number of potential accidents, hazards and disasters. For example if a sign falls off your building and harms a customer or their vehicle or if a bottle of alcohol falls and a customer is hurt. A general liability policy is designed to cover the medical expenses or pay for the repairs.
Equipment Breakdown – Equipment such as your coolers, point of sale systems and computers are critical to the successful continued operations of your business. Replacing and repairing these items can be very expensive if they break down.
Buildings and Contents – Besides the people part of your business, the physical part of your business including your building and inventory are critical to your ability to run your business. If a fire ravages your property or if a storm causes a major leak in your roof ruining your building and inventory this coverage is designed to protect you.
Business Income and Extra Expense – Big disasters and emergencies can cause you to close your business for an extended period of time until repairs are made or inventory is replaced. Not only do you lose income, but also you will have extra expenses to get things back up and running. This coverage provides the necessary funds to get you back on track.
Electronic Data – Protection for your electronic files and records including data breach.
Valuable Papers Protection – Provides coverage for the cost to replace licensing and regulation paperwork plus required paperwork from suppliers in the event they are lost or damaged.
Employee Dishonesty Coverage – Provides coverage for example if an employee commits dishonest acts such as stealing from the cash register, giving free products to friends, or using company assets without authorization.
“All in one” Business Owners Policies – You may want to consider a Business Owners Policy, often referred to as a “BOP.” It can combine the coverage above into a single policy with comprehensive coverage.