insurance for liquor stores

Uncork a higher level of service and expertise.

Whether you own a small wine shop on Main Street or a liquor emporium where individuals, restaurants, and other establishments buy in bulk, you are faced with unique exposures that include robbery and burglary, equipment breakdown, responsible server practices, and customer and employee safety, among other critical issues. For example, if you sell alcohol to a minor or someone already intoxicated, you can be held liable. If you offer wine tastings and host events and other promotions on your premises, your risks of liability increase. What’s more, you can be legally liable if a patron or third party is injured as a result of the negligent service of alcohol or negligence in not preventing an individual from injuring a third party.


A specialized business deserves specialized coverage.

At Martin Insurance Group, we offer a portfolio of coverages designed for liquor, wine and beer retailers to help you protect against these types of risk and more. We can bundle the coverages you need with a Business Owners Policy (BOP), which will offer you a cost-effective insurance program at a lower cost. Typically, a BOP can be tailored to provide the following coverages:

  • General Liability
  • Liquor Liability
  • Business Personal Property
  • Valuable Papers & Accounts Receivables
  • Equipment Breakdown
  • Crime
  • Employee Dishonesty
  • Business Interruption

We can also augment your insurance program with umbrella and excess liability coverage so that you have additional limits of liability beyond that which is provided under your basic policies. Cyber liability insurance, which provides coverage in the event of a data breach, is important coverage for any business that accepts credit cards and stores customer data. This coverage will pay for the potential costs as a result of the security breach.

Additionally, we offer employment practices liability to protect you and your business should you find yourself on the other end of an employee-related lawsuit alleging discriminatory practices, wrongful termination and other workplace issues. We also write workers compensation for our liquor store clients to cover the medical costs associated with on-the-job accidents and injuries. We can even provide you with flood insurance. Your business is unique as is the coverage we offer to protect you against unforeseen losses. Our professional staff at Martin is happy to review your current policy to see how we can improve upon it with a comprehensive plan at an affordable price.

Call now to speak with a representative about insurance for your liquor store. With clients in New Jersey, Pennsylvania, and Connecticut — including companies in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA — Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need special liquor store insurance?

A. Without specialized business coverage such as liquor store insurance, everything you put into a company could easily be wiped out with one accident, lawsuit, or other unplanned hardship. Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), specialized coverage like liquor store insurance, or even a cyber liability policy, we can help.

Q. Why should I buy liquor store insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983 and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have liquor store insurance. How do I know if it’s the right type or amount?

A. If you already have some form of liquor store insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.





Email: info@martinins.com • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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