Wine Business Insurance for Shops, Stores & Bars

Insurance companies underwrite wine business insurance for liquor stores, wineries, bars and other businesses that sell wine. This isn’t one insurance product but is a bundle of different policies such as general liability, commercial property, workers comp, and others.

Wine Business Liability Insurance 

CoverWallet  NEXT (Best) Hiscox Travelers
Per occurrence limit  $1,000,000 $1,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000/$4,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $2,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $100,000 $100,000
Liquor liability insurance included? Excluded Yes Excluded Excluded
Waiver of subrogation included? Excluded No Excluded Excluded
Hired/non-owned auto liability coverage included? Excluded No Excluded Excluded
Equipment breakdown floater included? No  Yes Excluded No 
Can you get a certificate of insurance online? Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes
Deductible $0 $0 $0 $0

A general liability policy is a type of wine business insurance that suits the needs of wine manufacturing and retailing ventures that admit people into their premises, such as wine stores, wine bars, or wine manufacturing facilities. Use the table above to compare the wine business liability insurance of companies we recommend. 

General liability insurance is very important for wine businesses, as the risk of accidents is very high. Wine is an alcoholic substance. And it’s proven that the consumption of alcohol is highly associated with unintentional falls in young and middle-aged adults. 

Wine businesses can have legal liability if patrons, visitors, independent contractors, and other third parties sustain property damage or bodily injuries while in the premises. General liability insurance takes care of this exposure. 

Here are some concrete situations where the general liability policy of wine bar, wine store, and wine shop insurance comes in handy:

  • A customer slips and falls on the floor and sustains injuries

  • A wine business has a dance floor. The customer fell and sustained injuries 

  • The seat of a wine bar snagged a guest’s dress. It got torn and the guest demands a reimbursement 

  • A civil commotion breaks out. People got injured and they want your business to cover medical treatment expenses 

When third parties file a claim for bodily injuries or property damage, general liability insurance covers these expenses:

  • Medical treatments

  • Remuneration for the damaged property

  • Attorney fees, court filing fees, and other legal expenses

  • Court judgments

Similar to the general liability insurance for liquor stores and breweries, the general liability insurance for wine shops, stores, bars, and other wine businesses offers these additional coverages:

  • Slander, libel, and copyright infringement coverage

  • Tenant’s legal liability coverage

  • Hired/non-owned auto liability coverage 

Public Liability Insurance For Wine Businesses

As a wine business, public liability insurance policy is fundamental. This policy covers a wide range of claims arising from third parties. For instance, if a bartender drops a bottle of wine and it shatters on the floor causing injuries through falls and slips, you could be held liable. Such injuries tend to be severe and demand urgent medical attention.

Since you are required by law to cover all the medical expenses that occurred on your business premises, the victim could sue your business for damages. This is more likely, especially if they sustain serious injuries that permanently affect their quality of life. If found liable, you will have to pay for the settlement. Your business could lose a lot of money. But with public liability insurance for wine businesses, you don’t need to worry about the resulting expenses

Product Liability Insurance For Wine Businesses

Product liability insurance is another important policy for your wine business. Given that customers directly consume the product you make, the risk of product liability is high. In case you sell contaminated wine and end up affecting the health of your customers, you may face costly lawsuits. Furthermore, if there are unwanted objects in your wine, like dirty particles, you risk losing a lot of money.

Professional Liability Insurance For Wine Professionals

CoverWallet  NEXT  Hiscox
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000
Name additional insureds? Yes Yes Yes
Waiver of subrogation included? Yes No Can be included
Deductible  $500 $500 $50/$10,000

Wine businesses aren’t only limited to shops and stores. There are also professionals involved with wine, particularly wine bartenders/sommeliers and vintners.

Suppose you’re one of these professionals or you own a wine store employing these, then consider getting professional liability insurance. Use the table above to compare the professional liability insurance of companies we recommend. 

Professional liability insurance grants coverage if you or an employee of your wine business creates a mess while providing a service. This policy included in wine store, wine shop, and wine bar insurance covers claims for:

  • Negligence

  • Inaccurate advice

  • Violation of good faith

  • Violation of fair dealing 

  • Breach of contract

Note that in rare cases, professional liability insurance can also cover claims for slander, libel, and copyright infringement. 

Liquor Liability Insurance For Wine Businesses 

Wine when consumed in large quantities can result in intoxication or drunkenness. Your wine business is responsible if a drunk patron injures himself or herself. 

This isn’t far from happening as alcoholic substances are proven to increase the likelihood of self harm and even suicide. 

Aside from general liability and professional liability, you also need liquor liability insurance.  

This takes care of medical treatment, property damage reimbursement, and legal costs if a drunk guest injures himself. Liquor liability insurance can also sort things out if other customers sue your business after getting assaulted by a drunk patron

Compare Wine Business Insurance Quotes Online

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Commercial Property Insurance For Wine Businesses 

CoverWallet NEXT (Best) Hiscox
Building coverage limit (minimum) $50,000 $80,000 $25,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000
Outdoor signs Excluded $2,500 Excluded
Accounts receivable  Excluded Excluded Included
Money and securities Excluded $2,500 Included
Lock and keys  Excluded $2,500 Excluded
Business interruption floater Excluded Included Included
Equipment breakdown floater Excluded Included Excluded
Inland marine insurance floater Excluded Excluded Excluded
Employee dishonesty floater Excluded $5,000 Included

Commercial property insurance covers your wine business’s store, office, or any other physical location. Aside from the building, valuable papers and records, inventory, stocks, and business equipment are also covered.

Commercial property insurance will reimburse losses if the contents or your wine business’s building gets damaged or destroyed because of fire, theft, vandalism, lightning, weather, aircraft, vehicles, and other covered perils. Use the table above to compare the quotes of commercial property insurance. 

Business Interruption Insurance For Wine Businesses

In some cases, you could be forced to close your wine business due to different reasons. During this time, your income will be halted. A business interruption insurance policy ensures that your income is steady even when your wine business is temporarily closed. Remember that business interruption insurance only applies for businesses forced to close down for the laid out reasons as per the policy terms.

For instance, if the building your wine business is located in is scheduled to undergo a renovation that takes around two months, the business interruption insurance policy covers it. This is important because the policy pays your income during that period. You will be able to carry on and avoid losses. 

Business Owner’s Policy For Wine Businesses

CoverWallet NEXT  Hiscox
General liability aggregate limit  $2,000,000 $2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $260,000 $25,000
Optional policies can be added? Yes Yes Yes
Name additional insureds for free? Yes Yes Yes
BOP discount? Yes Yes Yes

A business owner’s policy provides the best value for money. This type of wine business is a result of combining general liability insurance and commercial property insurance into one policy that’s cheaper and easier to manage. Use the table above to compare the business owner’s policy of insurance companies we recommend. 

Crime And Theft Insurance For Wine Businesses

Like any other business, your wine business faces the risk of theft and looting. Most wine businesses have valuable products that make them a target for thugs and looters. You can imagine how devastating it is to wake up to a vandalized wine shop with almost every valuable product gone. This can be a devastating financial blow that puts your business on edge. Without insurance coverage, you will have to find a way of recovering from such cases by yourself. 

Spending money from your pocket to replace stolen products could leave you in a bad financial position. However, getting crime and theft insurance assures you that this won’t happen. It grants a reimbursement for the value of stolen items. This goes a long way in saving your business money.

Inland Marine Insurance For Wine Businesses

This is a special insurance policy that covers wine in transit. For instance, if you deliver wine to a distant location, this policy protects against damage or theft. If something happens to the wine in transit, you will be covered against losses. 

You can imagine how much you would lose if a truck full of wine bottles overturned and spilled all of them. Recovering from such losses could take a long time. Thankfully, wine business insurance covers such cases. This goes a long way in saving your business money. 

Cyber Insurance For Wine Businesses

If your wine business has an online marketplace, cyber insurance is vital for it. Hackers could target your payment system and get away with lots of money. This could leave you in financial ruin, especially if you depend on the online marketplace to make sales. A comprehensive wine store insurance policy offering cyber insurance covers such cases and helps you recover your money. This keeps your business afloat and prevents bankruptcy.

Workers Compensation Insurance For Wine Businesses

Some wine businesses aren’t a one-man show. If you hire people as full-time or part-time employees, it’s important to get workers compensation insurance. When a work-related accident happens and an employee sustains an injury or illness, workers compensation insurance will cover the expenses for medical expenses, hospitalization, medication, and others.

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Wine Business Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $40 $480 $0-$500
Professional liability insurance $45 $540 $500-$1,000
Product liability insurance Cost usually added to general liability insurance  Cost usually added to general liability insurance  $500
Liquor liability insurance Cost usually added to general liability insurance  Cost usually added to general liability insurance  $500
Commercial property insurance $50 $600 $1,000-$2,500
Business owner’s policy $90 $1,080 $500-$1,000
Workers compensation insurance $100 $1,200 $2,000-$5,000
Inland marine insurance $59 $708 $1,500
Crime and theft insurance $43 $516 $1,000
Cyber liability insurance $53 $636 $1,000


The average wine business insurance cost is $40 per month or $480 per year for a $1 million general liability policy. Factors that determine premiums are:

  • Policy limits and deductibles

  • Business history

  • Claims history

  • Number of employees

  • Location

  • Annual revenue and payroll

Here’s another table that shows the cost of a $1 million general liability policy from the companies that offer comprehensive wine business insurance programs:

Cost per Month Cost per Year Best for
NEXT $31 $372 Best overall; Fastest wine business liability insurance
CoverWallet $35 $420 Comparing wine business insurance quotes online
Hiscox $37 $444 Wine business insurance with automatic policy renewal
Travelers $41 $492 Wine business insurance package with numerous endorsements

Compare Wine Business Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Wine Business Insurance Companies 

It’s good to get an idea of the best options before getting wine business insurance. By doing so, you avoid getting insured by a company that’s only out for your money. These are the best companies to consider working with. Read to know their pros, cons, and cost of a $1 million general liability insurance. 

NEXT Wine Business Insurance


  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest wine business liability insurance

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount


  • Couldn’t find any

NEXT offers wine business insurance in partnership with Tivly. You can get covered from this company if you own a wine manufacturing facility or a wine retail store. 

Buying insurance from NEXT is quick as it offers pre-made insurance packages for its customers. You have three to choose from-basic, deluxe, and premiere. Here’s a quick summary of these insurance packages:

  • Basic-Only made out of general liability insurance with a product liability coverage and liquor liability coverage. The per occurrence and aggregate limit is $1 million 

  • Premiere-This offers $1 million general liability insurance with add-ons, $80,000 commercial property insurance, and $25,000 employee lawsuits coverage

  • Deluxe-This is NEXT’s most comprehensive insurance package. You’ll get $1 million general liability, $80,000 commercial property insurance, $25,000 employee lawsuits coverage, and $10,000 utilities interruption coverage from this 

Best for: Best overall; Fastest wine business liability insurance

Average cost: $31 per month 

Our rating: 10/10

CoverWallet Wine Business Insurance


  • Stable rates

  • Compare wine business insurance quotes online

  • Cancel a coverage anytime

  • Easy online policy management


  • Not an insurance company but an insurance broker 

CoverWallet is an insurance broker who can create a wine business insurance package made out of the policies of its partners. Your general liability insurance from CoverWallet will have a $1 million per occurrence limit and $2 million aggregate limit. Other policies available if you call a representative are commercial property, commercial auto, liquor liability insurance, and more. 

Best for: Comparing wine business insurance quotes online

Average cost: $35 per month

Our rating: 10/10

Hiscox Wine Business Insurance


  • Policy bundle discounts

  • Get covered online or with the help of an agent

  • Automatic policy renewal


  • You might be referred to a partner 

Hiscox only covers wine stores. Therefore, if you own a winery, then this company might not be able to provide coverage. Note that depending on your location, Hiscox might request you to get in touch with Insureon. 

Best for: Wine business insurance with automatic policy renewal

Average cost: $37 per month

Our rating: 9/10

Travelers Wine Business Insurance


  • Customer-specific coverage

  • Covers numerous types of wine businesses


  • You can’t get a quote online 

Travelers wine business insurance is available if you’re a:

  • Vineyard owner

  • Virtual winery business

  • Winery owner

  • Winery business that constantly hold product launches

Though the information about its insurance package is very limited, it’s sure that Travelers offers general liability insurance for your business. Endorsements to your basic insurance plan are liquor liability, property insurance, personal liability insurance, and vineyard manager’s coverage. 

Best for: Wine business insurance package with numerous endorsements

Average cost: $41 per month

Our rating: 9/10

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