Liquor Store Insurance Inspections

Clear, underwriter-focused inspection reports for liquor stores, package stores, beer and wine retailers, and related alcohol sales exposures.

✓

Underwriter-Focused Review

Reports built to highlight the operational details that impact liquor liability, premises liability, and property risk.

⏱

Fast Turnaround

Reliable inspection support so your team can move quickly on underwriting decisions.

◎

Southeast Field Coverage

Local field inspectors with practical knowledge of retail and alcohol-related occupancies.

☎

Nationwide Phone Inspections

Consistent service across the United States when field travel is not required.

Which supplemental may apply?

For liquor stores and related alcohol sales operations, Twenty First Services commonly uses a liquor supplemental to document licensing, sales mix, service practices, hours of operation, security controls, and customer exposure.

🍷

Liquor Supplemental

This supplemental helps underwriters understand on-premises or off-premises alcohol sales, total sales, license validity, late-night exposure, employee controls, training, fines or citations, customer demographics, security camera usage, drink promotions, and other operational factors that can materially affect liquor liability and premises risk.

What we review

TFS documents the specific exposures that impact property, liability, and underwriting decisions.

Placeholder image for liquor sales and operations

1. Sales & Operations

✓On-premises alcohol sales
✓Off-premises alcohol sales
✓Other sales
✓Total sales
✓Latest hour open
✓Open after 2am
✓24-hour operations
Placeholder image for liquor licensing training and compliance

2. Licensing, Training & Compliance

✓Valid liquor license
✓General liability limits and liquor limits
✓Formal alcohol training
✓Training course confirmation
✓Fines, violations, or citations
✓Electronic ID scanner usage
✓Compliance practices
Placeholder image for alcohol service and patron controls

3. Alcohol Service & Patron Controls

✓Employees permitted to consume alcohol while working
✓Independent contractors used to serve alcohol
✓Contractor liquor liability coverage
✓Drink specials after 10pm
✓Drinking games or all-you-can-drink exposure
✓Patrons under legal drinking age after 11pm
✓Type of clientele
✓BYOB allowed
✓ID monitoring for all patrons
Placeholder image for security and late-hour exposures

4. Security & Late-Hour Exposures

✓Surveillance cameras inside
✓Hour alcohol sales stop
✓Open after 2am exposure
✓Late-hour service controls
✓High-risk promotional practices
✓License and citation history

Why it matters for underwriting

Liquor stores can carry a mix of liquor liability, premises liability, and retail security exposures. A consistent inspection helps underwriters quickly identify operational practices that affect risk quality.

⚖

Documents Service Risk

Captures hours, promotions, training, and license controls that may affect liquor liability exposure.

🛡

Highlights Security Controls

Reviews cameras, identification procedures, and general risk-management practices for customer safety.

📋

Clarifies Operational Details

Organizes the store's sales profile, customer mix, contractor usage, and special exposures in a clear format.

⏱

Supports Faster Decisions

Gives MGAs, carriers, and agents a cleaner picture of the risk so underwriting can move efficiently.

Need inspection reports built for underwriting?

Our team delivers accurate, reliable inspection reports so you can move forward with confidence.

Contact Us Today