Allstar Financial Group

Click to call

Allstar Financial Group

Click to call

Package/Liquor Store Insurance

Package/Liquor Store Insurance

Allstar Financial Group, a trusted Managing General Underwriter and Excess & Surplus Lines Broker, offers a dedicated insurance program tailored for package and liquor store businesses. Through our Small Business Solutions division, we make it fast and efficient for agents and brokers to quote and bind coverage for their clients. Whether your client is a small neighborhood liquor store or a multi-location retail operation, our program is designed to address key exposures across property, casualty, liquor liability, and umbrella coverages.

Ideal Accounts and Appetite

This program is built for a variety of businesses operating in the retail liquor and packaged goods space. It is especially well-suited for:

Independent liquor stores
Package stores with or without refrigeration units
Retail locations selling beer, wine, and spirits
Operators with multiple retail locations (TIV up to $5M per location)

We also consider risks in related industries including retail, wholesale, contractors, habitational, offices, institutional, and vacant properties, depending on the coverage line.

Coverage Highlights and Advantages

Property Coverage

Total Insured Value (TIV) up to $5 million per location
Available as monoline or package policy
No coinsurance options (varies by risk)
Optional enhancements and equipment breakdown coverage

Casualty Coverage

Monoline or packaged policies available
Minimum premiums starting at $500
Primary limits up to $5 million / $5 million
Project-specific policies available
Coverage options for uninsured subcontractors
Enhancements include:

Blanket Additional Insured
Waiver of Subrogation
Primary & Non-Contributory wording
Per Project/Location Aggregate
Hired & Non-Owned Auto (class-specific)
Misc. Professional Liability (class-specific)

Liquor Liability

Limits from $100K/$100K to $1M/$2M
Assault & Battery coverage follows General Liability
Available in NC, SC, GA, TN, and VA

Umbrella Coverage

Limits up to $5 million
Minimum premium starts at $750
Available on supported or unsupported basis
Underlying carrier requirements: AM Best A-VI or better for GL/Auto; B++ or better for Employers Liability

Underwriting Notes and Minimum Premiums

Minimum premiums vary by coverage type, with General Liability starting as low as $500 and Umbrella premiums starting at $750. We evaluate each risk individually and offer flexible options, including monoline or package solutions. Optional coverage enhancements are available to tailor policies to your client’s needs.

Territories and Availability

This program is available in most states, with strong availability in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability coverage is currently offered in NC, SC, GA, TN, and VA. Most coverages are placed on a non-admitted basis through multiple carriers.

Why Work With Allstar Financial Group?

Allstar Financial Group brings deep expertise in small business and specialty risks. Our underwriters understand the unique exposures that liquor and package stores face—whether it’s managing liquor liability, protecting high-value inventory, or ensuring proper umbrella protection. We emphasize quick turnarounds, competitive pricing, and flexible underwriting. Agents benefit from a streamlined quoting and binding process that helps you serve your clients efficiently.

You might have a client who just opened a new liquor store in Georgia and needs bundled property, liability, and liquor coverage—or a long-standing retail store looking to improve limits and pricing. Allstar is ready to help you place these accounts with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for package and liquor stores, including single-location retailers and multi-location operators. We also consider related retail and wholesale risks.

Is liquor liability available in all states?

No, liquor liability coverage is currently available in NC, SC, GA, TN, and VA.

Can I write monoline coverage, or does it have to be a package?

You can write monoline or package policies depending on your client's needs. Allstar offers flexibility across property, casualty, and liquor liability lines.

What is the minimum premium for this program?

Minimum premiums start at $500 for General Liability and $750 for Umbrella coverage, but vary depending on the specific risk and coverage options.

How quickly can I get a quote and bind coverage?

Allstar’s Small Business Solutions division is designed for fast turnarounds. Most submissions can be quoted and bound quickly after receiving complete underwriting information.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Underwriter and Excess & Surplus Lines Broker

Admitted:

Most Available States

Carriers:

Carrier Ratings:

A

Commission:

-

Min Premium:

varies

Coverages:

Liquor Dealers and Stores Insurance Liquor Stores Insurance Mono-Line Liquor Liability Program Insurance Package Stores Liquor Liability Insurance

CompleteMarkets is The Insurance Industry's Professional Network

Please Register for FREE or Sign In to contact

Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!

Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.

Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.

Allstar Financial Group

Allstar Financial Group

Hi, !

Package/Liquor Store Insurance

Frequently Asked Questions

What types of accounts are a good fit for this program?

Is liquor liability available in all states?

Can I write monoline coverage, or does it have to be a package?

What is the minimum premium for this program?

How quickly can I get a quote and bind coverage?

U.S. States Available