Why beer, wine and liquor stores are a Coterie focus

Beer, Wine, and Liquor Stores ranks #11 on Coterie’s Top 100 classes list (December 2025). That makes this class one of the core types of business Coterie is built to quote.

Common risks

For this class, the usual claims include broken bottles, slippery floors, stock falling from tall shelves and customer injuries. Retail foot traffic plus breakable glass makes premises liability the main exposure.

General liability and BOP

General liability covers claims of bodily injury and property damage caused by your business, and for most classes it also covers personal and advertising injury. Coterie offers per-occurrence limits from $300K up to $2M, with aggregates at twice that, plus medical payments and damage to rented premises.

A BOP protects inventory and fixtures and adds business income; liquor liability is an available coverage. A business owner’s policy combines GL with property and business income coverage in one policy, which is often the simpler choice for owners who lease or own a space.

What to know before you quote

When liquor liability is selected, the $2M/$4M liability limits aren’t available. Final eligibility is confirmed during underwriting. Coterie accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited loss history and no prior cancellations. Home-based and newer businesses are welcome.

Why owners like it

Quotes come back in minutes, certificates can be issued on demand, and there’s an actual person on the other end of the phone. It also comes with Manage My Risk, Coterie’s free set of risk assessments, safety guides and compliance checklists.

All 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 Georgia beer, wine, and liquor stores.