Advanced E&S Group - Midwest Region is a trusted Managing General Agency and Surplus Line Broker specializing in providing tailored property and casualty insurance solutions for a wide variety of commercial classes. With broad underwriting capabilities and access to multiple surplus lines carriers, we help independent agents and brokers secure coverage for hard-to-place or specialized risks across the Midwest and beyond.
Liquor Stores Insurance Program Overview:
Our Liquor Stores Insurance program is designed to meet the unique risks and challenges faced by liquor retailers. Whether you're working with a standalone neighborhood bottle shop or a larger multi-location store, we can help you place coverage that addresses key exposures associated with selling alcohol and managing high-value inventory.
Ideal Accounts and Appetite:
- Retail liquor stores with or without tasting areas
- High-volume or high-value inventory operations
- Locations with prior claims history that need surplus lines solutions
- Independent or franchise-operated stores
Coverage Highlights and Advantages:
- Commercial General Liability (CGL)
- Liquor Liability – essential for alcohol sales
- Business Income and Business Interruption
- Property Coverage including Fire, Theft, and Glass
- Real and Business Personal Property protection
Our program is available as a package or monoline solution, allowing for flexibility depending on your client's needs. We understand the nuanced liability risks liquor store owners face, and our coverage is designed to respond accordingly.
Underwriting Notes and Minimum Premiums:
Minimum premiums vary depending on the size, location, and risk characteristics of the account. We offer flexible underwriting for qualified risks and can often accommodate accounts that may not qualify for standard markets due to claims history, building age, or liquor sales percentages.
Territories and Availability:
This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are written on a non-admitted basis through various surplus lines carriers.
Why Work With Advanced E&S Group - Midwest Region:
We bring deep expertise in underwriting liquor-related risks and have a strong understanding of the challenges agents face when placing these accounts. With access to multiple E&S carriers and a commitment to responsive service, Advanced E&S helps you provide your clients with competitive solutions, even for tough-to-place risks.
You might have a client with a small urban liquor store that recently experienced a theft or fire loss—our program could be the right fit. Or perhaps a new owner is opening a store in a location where standard markets hesitate due to high liquor sales exposure—we can help place that risk effectively.
Frequently Asked Questions
What types of liquor store businesses are eligible for this program?
We can consider standalone liquor stores, multi-location retailers, and stores with tasting areas. Accounts with prior claims or those needing surplus lines solutions are welcome.
Is liquor liability included in this program?
Yes, liquor liability is a key component of the program and can be included for eligible risks.
Can I write monoline coverage or only package policies?
Both options are available. We can write coverage as a package or on a monoline basis, depending on your client’s needs.
What territories is this program available in?
The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI.
What is the minimum premium for this program?
Minimum premiums vary based on the risk profile, location, and coverage needed. Contact us for underwriting review and pricing guidance.
Need help placing an account? Connect with a market specialist.