Industries → Liquor Stores

Coverage built for every bottle you sell.

Package stores, wine and spirits shops, and any retailer selling liquor to go all carry risk that a standard business policy was not built for. We work with carriers who understand liquor liability, license bonds, and inventory exposure, so you can stock the shelves and let us handle the risk.

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Who We Serve

From a corner package store to a full retail chain.

Whatever your liquor retail operation looks like, we have markets that will write it.

Package & Liquor Stores

Standalone retail stores selling beer, wine, and spirits for off-premise consumption. Liquor liability, inventory, and license bond coverage built for the format.

Wine & Spirits Shops

Boutique and specialty retailers carrying higher-value inventory. We help you insure the collection, not just the storefront.

Breweries & Taprooms with Retail

If you sell packaged product to go alongside pours in the taproom, we cover both sides of the operation under one program.

Convenience Stores with Liquor Sales

C-stores and gas stations with a liquor license need the same liability protection as a dedicated liquor store, layered on top of your existing program.

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Strongly Recommended

Liquor Liability

Most general liability policies exclude claims tied to the sale or service of alcohol. Liquor liability fills that gap, covering claims if a customer you sold to causes injury or property damage, including many state dram shop laws that hold retailers responsible. If you sell alcohol in any form, this is not optional coverage in our book, it's foundational.

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Often Required

State Liquor License Bonds

Many states and municipalities require a surety bond before they will issue or renew a liquor license. It's not insurance in the traditional sense, it's a guarantee that you'll follow licensing regulations, but we handle it alongside your policy so you're not chasing a separate bond company during renewal season.

Additional Coverage

Protecting the rest of the business.

Liquor liability is the headline, but a complete program covers the rest of your exposure too.

Crime & Employee Theft

Covers losses from employee theft, cash shortages, and forged documents. Retail inventory and cash-heavy registers make this a common gap.

Product Liability

Protects you if a product you sold causes injury or illness, including contamination or tampering that happened before it reached your shelf.

Commercial Auto

If you deliver orders or run a truck between locations, personal auto coverage will not respond to a claim. We write commercial auto for delivery and transport.

Frequently Asked Questions

Liquor store insurance, answered.

The questions we hear most often from liquor and package store owners.

Liquor liability covers claims arising from the sale or service of alcohol, such as an intoxicated customer causing an accident after buying from your store. Because most general liability policies specifically exclude alcohol-related claims, retailers who sell liquor need this coverage as a separate policy or endorsement.
Almost never. Standard general liability policies carry a liquor liability exclusion by default. If your business sells alcohol in any amount, you need a dedicated liquor liability policy or a specific endorsement added to your existing policy to close that gap.
Dram shop laws let an injured third party hold a retailer responsible for damages caused by a customer who was sold alcohol while already visibly intoxicated or underage. Most states that recognize dram shop liability apply it to package and liquor stores, not just bars, which is exactly what a liquor liability policy is designed to cover.
Requirements vary by state and municipality, but many jurisdictions require a surety bond before issuing or renewing a liquor license. We can confirm what your specific state and city require and arrange the bond alongside your insurance program so you're not managing two separate vendors.
A commercial property policy typically covers inventory loss from covered perils like fire, theft, and certain water damage. Employee theft specifically is usually handled under a separate crime policy. We build your program to cover both, so a loss doesn't fall into a gap between policies.
Cost depends on your sales volume, inventory value, location, and the coverages you need, including whether you require a license bond. Because we shop 50+ carriers, we can compare pricing across markets rather than quoting a single company's rate. Tell us about your store and we will send over real numbers.

Let's protect your store.

Tell us about your liquor store and we'll shop 50+ carriers to build a program that actually fits.

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Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you please review your own policy documents carefully and contact us directly for specifics about your account.