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.

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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.

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1. Sales & Operations

On-premises alcohol sales
Off-premises alcohol sales
Other sales
Total sales
Latest hour open
Open after 2am
24-hour operations
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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
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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
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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.

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Highlights Security Controls

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

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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