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... Premium: $1,000 - Exposure: Fruit/Vegetable Dealer - $1,500,000 i...n normal retail operations, such as delivery trucks, are typically acceptable,...

Neighborhood Market Program from Sinclair-Dwyer The Neighborhood Market Insurance Program from Sinclair-Dwyer is a focused commercial package solution for California retail stores that sell packaged alcohol. Designed for independent agents placing neighborhood convenience stores and small liquor retailers, the program is available exclusively to members of the California Beverage Merchants (CBM) or to retailers willing to enroll. Policies are underwritten on a non-admitted basis by Business Alliance Insurance Co. (BAIC), with Sinclair-Dwyer managing program administration and placement. Ideal Accounts and Appetite This program targets retail exposures where alcohol is sold for off-premises consumption. Good fits include: Independent neighborhood convenience stores that sell packaged beer, wine or spirits Small to mid-sized liquor stores, including those that sell some grocery or deli items Single-location operators or small chains where the primary operation is retail sales, not on-premises consumption Not a fit: bars, nightclubs, restaurants or other operations with significant on-premises alcohol consumption or entertainment exposures. Coverage Highlights and Advantages Through Sinclair-Dwyer’s Neighborhood Market Program you can offer clients: Commercial package policies tailored to retail alcohol risks (property, liability and ancillary coverages appropriate for neighborhood markets) Premium credits and association benefits tied to CBM membership that can improve terms and pricing Access to underwriting from a carrier experienced with alcohol-related exposures (BAIC) Program administration that simplifies placement and helps accelerate quotations Underwriting Notes This is a closed program limited to CBM members or retailers who will join. All risks are written on a non-admitted basis through BAIC, and Sinclair-Dwyer provides the program administration and underwriting guidance. Appetite tends to favor straightforward retail operations; enhanced risks, high liquor sales percentages, or significant liquor liability histories may require additional review. Minimum premium requirements may apply and will vary by store size and operations. Territory and Availability The Neighborhood Market Program is currently available only in California. Agents should confirm CBM membership status (or client willingness to enroll) before submitting business. Why Work With Sinclair-Dwyer? Sinclair-Dwyer specializes in niche commercial programs and maintains a strong relationship with CBM and BAIC. That focus delivers underwriters who understand retail alcohol operations, association-enhanced pricing, and a streamlined placement experience. For agents this means a reliable market for accounts that meet the program’s eligibility with competitive terms and association benefits. Example accounts you can place A single-location corner market that sells packaged beer and wine plus refrigerated grab-and-go food—limited deliveries, no on-site consumption. A small neighborhood liquor store with modest grocery sales and basic security controls—owner is willing to join CBM to access program credits. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for California-based convenience stores and liquor retailers that sell alcohol for off-premises consumption and are CBM members or willing to join. Is this program available outside of California?No, the Neighborhood Market Program is currently only available in the state of California. What kind of coverage is offered through this program?The program provides commercial package policies tailored to neighborhood markets and liquor stores, including potential premium credits for CBM members. Who underwrites the policies in this program?Policies are written on a non-admitted basis through Business Alliance Insurance Co. (BAIC), with Sinclair-Dwyer managing the program. Do clients need to be members of the California Beverage Merchants?Yes, clients must either be current CBM members or be willing to join the organization in order to access this program. Need help placing an account? Connect with a market specialist.