Liquor Stores

photo of girl looking at wine in liquor storeInsurance for Liquor Stores

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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.


Ineligible Convenience/Liquor Stores

Please note we cannot offer coverage to the following:

  • Propane filling station
  • Auto repair or car wash operations
  • Risks located in AK, LA or WV


Available Coverage for Convenience/Liquor Stores

  • Max property value of $3,000,000 in protection class 1-8
  • Max property value of $1,000,000 in protection class 9-10
  • Max property value with commercial cooking exposure is $600,000 in protection class 1-8
  • Max property value with commercial cooking exposure is $200,000 in protection class 9-10
  • Coastal property up to $500,000 excluding wind and hail
  • Separate general and liquor limits up to $1,000,000/2,000,000
  • Commercial umbrella – limits up to $5,000,000


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Claim Example for Convenience/Liquor Stores

woman perusing wine at a liquor store

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.


Please note –
You must be an appointed Peachtree Special Risk Brokers, LLC retailer to use these programs. Quotes obtained via these programs will only be bound IF you are previously appointed producer with a currently executed Producer Agreement with any Peachtree office.  |  Also, you must be properly licensed with the State in which the risk is located, with a copy of your State license on file with us.  |  Prior to Binding, you must confirm with your local Peachtree office to determine any and all applicable taxes and fees.  |  No coverage is bound until confirmed in writing from a Peachtree representative.  |  Please contact a Peachtree representative if needed for additional pricing considerations on any quote received using these programs or if your submission has been declined.  – Thank you! –