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These stores are licensed operations that engage in the retail sales of bottled and packaged beers, liquors and wines. Beverages for sale are not consumed on-premise. Products may be domestic or imported. Kegs of beer and drink mixers may be offered. These stores generally do not carry products that are not related to alcohol. Beer, liquor and wine stores may have restricted hours of operation according to state alcohol laws.

General Liability for Beer, Liquor & Wine Stores – Slips and falls can occur at beer, liquor and wine stores as a result of spills and high traffic (especially during inclement weather). Floors and walkways should be clear and in good repair. Exits should be highly visible. Merchandise should be secured on sturdy shelves in order to prevent shelving collapse and other related customer injuries. Beverages and other merchandise must be carefully stacked away from the edges with any heavier items stored on bottom shelves or on the floor. Glass shelving should be free of defects and sharp corners as well. Selling alcoholic beverages to underage people or to those already intoxicated increases liquor liability exposures.

Workers’ Compensation Insurance for Beer, Liquor & Wine Stores – Employee injury or death can occur during a robbery at beer, liquor and wine stores. Employees should be well trained to deal with and handle such situations. Lifting can also cause injuries including hernia and back injury. Glass breakage of beer, liquor, or wine bottles could also cause employees to be cut.

Business Automobile Insurance for Beer, Liquor & Wine Stores – Automobile accidents can occur if pickup and delivery are offered by the store. The radius and frequency of deliveries will impact the business auto liability risks for beer, liquor and wine stores. Vehicles must be maintained and drivers must be trained and have a valid drivers license.

Property Insurance for Beer, Liquor & Wine Stores – Fire and theft are the major risks at beer, liquor and wine stores. Alcohol is extremely flammable and could result in a total loss in the event of a fire. Products may be contaminated during a small fire due to water, heat and smoke. Refrigeration equipment should be up to date and maintained regularly in order to prevent spoilage and leaks. Beer, liquor and wine stores should have security measures in place in order to reduce theft.

Crime Insurance for Beer, Liquor & Wine Stores – Robbery, burglary, and employee theft are the major crime risks at beer, liquor and wine stores. Cash flow is high and therefore increases the risk of robbery. Employees may steal alcoholic beverages for their own use or to sell illegally. Strict hiring procedures and employee training should be enforced in addition to having security cameras in place. Burglary risks can be reduced at beer, liquor and wine stores by installing bars around low visibility windows and having central station alarm systems in place with contact point triggers on all opening doors and windows as well as glass breakage and motion detectors.