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Allstar Financial Group
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Allstar Financial Group
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Package/Liquor Store Insurance

Package/Liquor Store Insurance

Allstar Financial Group, a Managing General Underwriter and Excess & Surplus Lines broker, offers a focused insurance program for package and liquor store operations. Through our Small Business Solutions division, we provide a streamlined quoting and binding process so agents and brokers can move quickly on behalf of their clients. Whether the account is a single neighborhood liquor shop or a multi-location retail operator, this program addresses the primary exposures across property, casualty, liquor liability, and umbrella coverages.

Ideal Accounts and Appetite

This program is designed for a range of retailers in the packaged goods and beverage space. It is especially well-suited for:
  • Independent liquor and package stores
  • Package stores with refrigeration or cold-storage units
  • Retail locations selling beer, wine, and spirits
  • Multi-location operators (TIV up to $5M per location)
We also consider related retail and wholesale risks and select classes in 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 packaged policy
  • No-coinsurance options where applicable
  • Optional enhancements, including equipment breakdown coverage
Casualty Coverage
  • Available as monoline or as part of a package
  • Minimum premiums starting at $500 (varies by risk)
  • Primary general liability limits up to $5M / $5M
  • Project-specific or location-specific forms available
  • Options for coverage addressing uninsured subcontractors
  • Available enhancements include:
    • Blanket Additional Insured
    • Waiver of Subrogation
    • Primary & Non-Contributory wording
    • Per Project / Location Aggregate
    • Hired & Non-Owned Auto (class-specific)
    • Miscellaneous Professional Liability (class-specific)
Liquor Liability
  • Limits from $100K/$100K up to $1M/$2M
  • Assault & Battery coverage follows General Liability terms
  • Liquor liability available in NC, SC, GA, TN, and VA
Umbrella Coverage
  • Limits up to $5 million
  • Minimum premiums start at $750 (varies by risk)
  • Available on a 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 line; General Liability and Umbrella minimums begin at the levels noted above but are evaluated per risk. Allstar reviews each submission individually and can offer monoline or package solutions with optional enhancements to tailor coverage to a client’s operations and exposures.

Territories and Availability

This program is available in most states, with strong placement capabilities in AL, GA, LA, MS, NC, SC, TN, and VA. Liquor liability is currently offered in NC, SC, GA, TN, and VA. Most coverages are placed non-admitted through a panel of markets.

Why Work With Allstar Financial Group?

Allstar brings deep expertise in small business and specialty retail risks. Our underwriters understand the unique exposures liquor and package stores face—managing liquor liability, protecting high-value inventory, and ensuring appropriate umbrella limits. Agents benefit from competitive pricing, flexible forms, and quick turnaround through our Small Business Solutions workflow.

You might have a client who just opened a liquor store in Georgia and needs bundled property, general liability, and liquor liability coverage—or a long-standing multi-location retailer seeking improved limits and broader umbrella protection. Allstar is set up to help you place those accounts efficiently.

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. Related retail and wholesale risks may also qualify depending on the coverage line.

Is liquor liability available in all states?

No. Liquor liability coverage is currently offered in NC, SC, GA, TN, and VA.

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

You can place monoline or package policies. Allstar offers flexibility across property, casualty, and liquor liability lines to meet client needs.

What is the minimum premium for this program?

Minimum premiums vary by coverage type. General Liability minimums start around $500 and Umbrella minimums start around $750; however, final minimums depend on the specific risk and coverages selected.

How quickly can I get a quote and bind coverage?

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

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

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CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.