Protect Your Liquor Store Business
There are many kinds of insurance out there, but as a liquor store business owner, you have very unique needs. At biBERK, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Who Needs Business Insurance for Liquor Stores?
Liability laws vary by state, but liquor stores can be liable for selling alcohol to minors or intoxicated customers. A business owner’s policy covers injuries to non-employees, theft, vandalism, and lost inventory due to accidents, natural disasters, and even failed coolers. Workers’ comp covers employees. Having the right amount of business insurance can provide financial protection should the unexpected occur.
Any Liquor Store Needs Business Insurance, Including:
- Alcoholic beverage stores
- Beer distributor
- Beer stores
- Distillery owners
- Dram shop owners
- Liquor handlers/inventory specialists
- Liquor store franchise owners
- Liquor store owners
- Specialty wine shop owners
- Spirits stores
- Wine stores
What are the Different Types of Liquor Store Insurance?
At biBERK, we offer seven different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.chevron_rightWorkers' Compensation
Property & Liability Insurance
Commonly referred to as a business owner's policy (BOP), it 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, such as the use of a temporary location.chevron_rightProperty & Liability
Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.chevron_rightProfessional Liability
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during the course of business. Our commercial auto insurance policies are offered through a Berkshire Hathaway subsidiary.chevron_rightCommercial Auto
General Liability Insurance
Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy 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.chevron_rightGeneral Liability
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 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.chevron_rightUmbrella
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.chevron_rightCyber Insurance
Why biBERK for Liquor Store Insurance?
We’re the experts when it comes to small business.
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.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with more than 40 years of insurance experience and over 100,000 satisfied customers.