Insurance for Convenience / Liquor Stores
This coverage offered by an "A++" rated carrier addresses the needs for delicatessens, health and natural food stores, or specialty grocery store owners that additionally have liquor sales.
Target Risks: (Not limited to those below)
- Eligible classes include, but are not limited to:
- Alcohol Importers
- Beer Distributors
- Gas Stations
- Grocery Stores
- Retail Liquor Stores
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Liquor: This product is available in all states except AL, AK, IL, LA, MS, MN, OR, RI and WV
- Risks with more than one claim in the past five years
- Risks with more than two violations in the past five years
- Alcohol sold outside of our allowable time frame
Coverages Available for Liquor Stores
- Liquor liability available up to $1,000,000/$2,000,000
- No cap on annual sales
- Liquor liability deductible is $0
Optional Coverage For Liquor Stores
- Ability to consider some risks for package coverage to include property, general liability, liquor liability, crime, equipment breakdown, hired and non-owned auto, excess and umbrella Per location aggregate automatically offered for multi-location risks
Claim Example for Convenience / Liquor Stores
Property: A fire began at the insured’s premises when an employee of the liquor store forgot to unplug the neon sign when they left for the night. The fire caused both $91,000 in building damage and $13,000 in business personal property damage. In order to repair the damage, the liquor store had to shut down for a month, causing a $14,000 loss in income and $10,000 extra expense, which was included in the business income with extra expense coverage.
General Liability: A customer of the liquor store went to use the restroom. The tile floor area just outside of the restroom was wet. The customer slipped and fell, breaking their arm. The customer filed a lawsuit against the grocery store for pain and suffering, medical bills, and rehabilitation expenses.
Liquor Liability: A convenience store that sells beer denied service to a patron who appeared intoxicated. The patron was later involved in an automobile accident. Despite denying service, the convenience store was brought into the claim. The convenience store was not found liable, but had to pay $75,000 in defense costs.
Equipment Breakdown: A motor burned out in a hermetically sealed refrigeration unit resulting in the spoilage of food and beer in cold storage. An equipment breakdown claim was made for property damage of $3,338 and consequential spoilage of $2,500.