Liquor Store Insurance

business owner protected by liquor store insurance

Top Shelf Liquor Store Insurance Made for You

Your days are filled with tasks that keep your liquor store running successfully. From inventory management to liquor sales compliance, your time is important. That’s why we created liquor store insurance that serves the unique needs of your type of business, so you can focus on helping your customers.
 
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business owner protected by liquor store insurance
small business protected by insurance for liquor stores

What Does Insurance for Liquor Stores Cover?

Liquor store insurance is a collection of coverages built to handle the risks that come with the retail sale of alcoholic beverages like packaged liquors, wines and beers. Whether you need to attend to an intoxicated customer or pay the medical bills for an employee’s bodily injury claim, you need insurance that helps protect your business with coverages such as:
 

How Much Does Liquor Store Business Insurance Cost?

On average, our customers pay about $1,687 annually or about $141 monthly for a Business Owner’s Policy (BOP).** Keep in mind there are many factors that determine how much you might pay. The Hartford can customize a policy made just for you by considering the size of your business property, number of employees, business location and property to be insured. When added to a general liability policy, liquor liability insurance costs are impacted by the percentage of alcohol sales.
 
The best way to find out what’s right for your business is to get a quote today.
small business owner protected by liquor store business insurance

Get a Certificate of Insurance When You Need It

With The Hartford, you can request a certificate of insurance (COI) online any time – day or night.

Covering Your Operations

You invest a lot into your business, so you don’t want unforeseen accidents and lawsuits to impact your liquor store operations. With the right type of insurance for liquor store businesses, you can have peace of mind knowing you’re protected from common claims. 
Drunk driving accounted for more than 13,500 deaths during 2022 in the United States.1
general liability for liquor stores

General Liability Insurance

“A glass bottle fell from a shelf, shattering on the floor and injuring a customer who tried to clean it up. They filed a claim against my store for the cost of their emergency room visit.”
 
General liability can help cover claims of bodily injury or property damage. It can help pay for your customer’s medical expenses if they slip and fall at your business.
liquor liability for liquor stores

Liquor Liability Insurance

“A customer purchased vodka at our store and got into a car accident. The other driver sued my store, claiming I sold alcohol to a visibly intoxicated man.”
 
Liquor liability insurance covers you from claims that you didn’t meet certain obligations when selling alcohol. This is especially important in a state with dram shop laws. These laws allow businesses to be held liable if they sell or serve alcohol to intoxicated individuals who cause an injury or damage property.

Taking Care of Your Team

The people you hire to run your liquor or specialty wine store are essential to your business. With liquor store insurance, you can help protect them as they maintain fragile inventory and sell alcohol to customers.
Exposure to a harmful environment, overexertion and slip and falls represent the primary causes of lost days from work.2
workers compensation for liquor stores

Workers’ Compensation Insurance

“My employee tripped over a box, fell and hurt her shoulder. She told me she needs physical therapy.”
 
Workers’ compensation insurance helps provide medical assistance, wages and other benefits if an employee is injured or becomes sick on the job.
EPLI for liquore stores

Protecting Your Property

It’s important to protect your business’ property, such as expensive refrigeration equipment or complicated point of sale systems. Having the right type of liquor store business coverage against damage or theft can help keep your operation running smoothly.
Alcohol is one of the most frequently targeted items by organized retail crime groups.3
commercial property insurance for liquor stores

Commercial Property Insurance

“Three men smashed the front door of our store with large rocks. They stole cash and more than a dozen bottles of expensive liquor.”
 
Commercial property insurance can protect your business and its physical assets, helping pay for repairs or replacement costs if a fire, theft or other covered event damages your property.
commercial auto liability insurance for liquor stores

Commercial Auto Insurance

“While driving inventory to another store, my employee got into a crash and totaled the work van.”
 
Commercial auto insurance can help cover the costs of an auto accident if you or your employee is at fault. It can help pay for property damages, medical expenses and legal fees.

Frequently Asked Questions About Insurance for Liquor Stores

Finding the right kind of insurance for your business starts with understanding your specific needs and researching policies that provide the coverage that fits. Contact a specialist from The Hartford at 866-256-1860 for information, or get a business insurance quote online.
Liquor liability coverage helps protect businesses that sell, make or serve alcohol. You can add this coverage as an endorsement on your general liability insurance policy. Another name for liquor liability insurance is dram shop insurance. A dram shop is a bar or business that focuses on selling, serving or making alcohol.
business owner happy after getting liquor store insurance quote

Get a Quote for Liquor Store Insurance Today

Discover the ways insurance companies can help protect your liquor store business.
 
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Related Articles

 
 
Last Updated: December 10, 2025
 
1 U.S. Department of Health and Human Services, “All Injuries.”
 
2 United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2021-2022.”
 
3 National Fire Protection Association, “Fire loss in the United States.”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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