Liquor Store

Cheers - owning a liquor store can be a great vocation.  However it also presents a unique set of risks.  Anytime that alcohol is involved it seems to escalate things to a different level.  That is why it is important to work with a risk management partner like Berkshire Insurance Group, which has the experience and expertise to help you create a comprehensive risk management program.

We take a holistic look at your business and make recommendations.  We look at your past claims and your current situation to determine both risk mitigation strategies as well as a comprehensive insurance program to help cover you in the event of a claim.  Your situation is unique, and we want to ensure you have the right coverage at the right price to protect you and your business.

Is your current program providing risk management, or just insurance?  Are you confident your current plan covers you if you:

  • Sell alcohol to a minor
  • Sell to an intoxicated customer
  • Use your personal vehicle for company business
  • Have employees steal from you
  • Sell contaminated products
  • Have a customer who slips and falls leaving your business

We provide a broad range of insurance products to ensure you are covered for these and many other situations including:

General Liability – A general liability insurance policy protects your business from a number of potential accidents, hazards and disasters. For example if a sign falls off your building and harms a customer or their vehicle or if a bottle of alcohol falls and a customer is hurt.  A general liability policy is designed to cover the medical expenses or pay for the repairs.

Equipment Breakdown – Equipment such as your coolers, point of sale systems and computers are critical to the successful continued operations of your business. Replacing and repairing these items can be very expensive if they break down.

Buildings and Contents – Besides the people part of your business, the physical part of your business including  your building and inventory are critical to your ability to run your business. If a fire ravages your property or if a storm causes a major leak in your roof ruining your building and inventory this coverage is designed to protect you.

Business Income and Extra Expense – Big disasters and emergencies can cause you to close your business for an extended period of time until repairs are made or inventory is replaced. Not only do you lose income, but also you will have extra expenses to get things back up and running.  This coverage provides the necessary funds to get you back on track.

Electronic Data – Protection for your electronic files and records including data breach.

Valuable Papers Protection – Provides coverage for the cost to replace licensing and regulation paperwork plus required paperwork from suppliers in the event they are lost or damaged.

Employee Dishonesty Coverage – Provides coverage for example if an employee commits dishonest acts such as stealing from the cash register, giving free products to friends, or using company assets without authorization.

“All in one” Business Owners Policies – You may want to consider a Business Owners Policy, often referred to as a “BOP.” It can combine the coverage above into a single policy with comprehensive coverage.

In addition to the coverages above – other insurance for your business includes:

Workers Comp – Legally you must cover your employees with workers compensation insurance. This pays for their medical bills and related expenses if they are ever injured while on the job.

Surety Bond – Local laws and ordinances may require your liquor store to be bonded. A surety bond is a guarantee. It can guarantee that you will provide specific services, or that you have enough collateral to operate your business, or that you will pay local business taxes appropriately.

Contact Vinny Higuera, our liquor store insurance professional, for more information about how we can help you design an overall risk management program.

Vinny Higuera
Phone: 413-447-3502
Cellphone: 413-281-7845

Please fill out the Contact Us form to have Vinny reach out to you.

Download a Liquor Store Flyer

IMPORTANT… Protect yourself from possible e-mail fraud threats. Berkshire Hills Bancorp and its affiliates will never request your confidential information through an email. Contact us at 800-773-5601 to verify any email request or to report suspicious emails.



Privacy Statement | Products Notification | Site Map | Contact Us

Secured By GeoTrust

Insurance Products:

  • Are not FDIC Insured
  • Are not Bank Guaranteed
  • May Lose Value

Are not deposits or other obligations of Berkshire Bank (the "bank") or any bank affiliate; Are not guaranteed, issued or underwritten by the FDIC, the bank or any bank affiliate; Are not insured by any agency of the US, the bank or any bank affiliate; Are not a condition to the provision or term of any banking service or activity; Need not be negotiated or purchased through any particular person as a condition of any financial transaction or service; May be purchased from any agent or company and the customer's choice will not affect current or future credit decisions; and Involve an investment risk, including possible loss of principal or loss of value. The market value of the investment may fluctuate, causing possible loss of principal amount invested.


Insurance is offered through Berkshire Insurance Group, Inc. Berkshire Insurance Group, Inc. is a licensed insurance agency and non bank affiliate of Berkshire Bank and is not a chartered bank or trust company, or depository institution. Berkshire Insurance Group, Inc. is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.


Berkshire Insurance Group, Inc. is neither a tax nor legal advisor. We suggest you consult with your personal tax and/or legal advisor before making any tax-related or legal decisions. You should consider an annuity's risks, charges, and expenses carefully before investing. Annuity withdrawals made prior to age 59 1/2 may result in an IRS penalty. Consult with your tax advisor.


NOTICE: Berkshire Insurance Group, Inc. is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

© 2017 Berkshire Insurance Group. All rights reserved.
Powered by AgenciesOnline