Three questions to ask about your coverage

1. What could go wrong? For beer, wine and liquor stores, it’s often broken bottles, slippery floors, stock falling from tall shelves and customer injuries. Retail foot traffic plus breakable glass makes premises liability the main exposure.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP protects inventory and fixtures and adds business income; liquor liability is an available coverage.

3. Will my business qualify? When liquor liability is selected, the $2M/$4M liability limits aren’t available. Final eligibility is confirmed during underwriting. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Beer, Wine, and Liquor Stores is #11 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama beer, wine, and liquor stores.