Liquor Store Insurance Coverage Checklist
The coverages a liquor store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for package liquor, beer, and wine stores. Priorities reflect typical exposure; confirm against delivery and regulated products.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Liquor Liability | Covers claims over alcohol sold to minors or intoxicated buyers, where state law allows. | Core | |
| Commercial General Liability | Covers customer injuries on premises. | Core | |
| Commercial Property & Business Income | Covers inventory and lost income after a covered loss. | Core | |
| Crime (Robbery, Burglary, | Employee Theft) Covers cash and inventory losses. | Prevalent | |
| Products Liability (Regulated Products) | Confirms hemp-THC, kratom, and vape products aren't excluded. | Situational | |
| Workers' Compensation | Required in most states; robbery injuries are a key risk. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for regulated products. A federal hemp redefinition taking effect December 11, 2026 will make many hemp-THC products unlawful under federal hemp law, and DEA began temporary scheduling of the kratom derivative 7-OH in July 2026. Many policies exclude cannabis and controlled-substance products. Stores should confirm product coverage, plan to pull products that become unlawful, and keep ID scanning, training, and refusal logs current to protect the license.
Send us the checklist and we'll review your liquor store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Liquor Store Insurance · Liquor Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a liquor store business need?
The core coverages for a liquor store business are Liquor Liability, Commercial General Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my liquor store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.