Bottle Shops Insurance: Great Value Tailored Protection for Your Liquor Retail Business
At Network Insurance House, we have developed a flexible insurance package specifically for bottle shops and liquor retail. Backed by years of industry experience, we offer great value and a broad range of cover designed for high-value stock and customer liability. Protecting your assets and cash flow is our specialty.
We serve a wide range of liquor retailers, including:
- Local independent bottle shops
- Large-format liquor retailers
- Bottle shops with associated hospitality (e.g., wine bars, pub-based retailers)
- Online liquor retailers
- Liquor importers and wholesalers
Why specialist Bottle Shop Insurance matters
Running a liquor retail business carries specific, high-cost risks that generic policies can miss. You are constantly exposed to major financial losses from:
- Stock loss: High-value liquor stock is vulnerable to fire, theft, and claims affecting shopping centres and arcades.
- Machinery failure: The breakdown of commercial fridges and condensers can be extremely expensive, risking massive stock spoilage and replacement costs.
- Malicious damage and theft: Bottle shops and specialist liquor retailers are vulnerable to malicious damage.
Our package ensures comprehensive coverage for these specific risks. We offer tailored advice for risk management to help you prevent these risks.
What does our tailored Bottle Shop Insurance cover?
Our coverage can directly target your greatest exposures:
- Stock protection: Covers high-value liquor stock and contents against major perils like fire, theft, and storms.
- Machinery breakdown: Essential cover for the repair or replacement of critical assets like refrigeration units, condensers, and cool rooms.
- Burglary and theft: Crucial protection against loss resulting from burglary, covering both stock and cash on premises including tobacco.
- Public and Product Liability: Shields your business from claims of injury to customers (Public Liability) or claims arising from the consumption of goods sold (Product Liability).
- Building & Contents: Covers the physical building structure, external signs, and essential glass display cases.
- Business Interruption: Replaces lost revenue if your shop is forced to close after an insurable event.
- Management Liability & Cyber: Protects directors from management risks and covers costs associated with data breaches or cyber crime.
- Marine Insurance: Coverage for goods in transit, essential for online liquor retailers and delivery services.
Partnership and negotiating power
As a client, you benefit from services that simplify insurance management:
- Dedicated Account Manager: Direct access to a dedicated professional for personalised service.
- Negotiating power: As a Steadfast broker, we ensure competitive terms backed by Australia’s largest broker network.
- Flexible payments: Pay-by-the-month options are available to help manage your cash flow.
What happens If I have a claim?
A claim shouldn't slow down your business. We ensure the process is managed with expertise and efficiency:
- Dedicated advocacy: Our specialised claims management team acts as your advocate to handle complexity and ensure a fair, efficient outcome.
- Prompt resolution: We focus on minimising service interruption, delivering product support and claims management to help you resume operations as quickly as possible.
Ready for Your Quote? Contact our specialists
Get the comprehensive, tailored protection your bottle shop or liquor retail business needs. Leave your contact details today, and one of our dedicated Insurance Experts will connect with you to discuss your specific requirements and design the optimal proposal for your business.
Contact us for a quote now
P: 1300 856 657 | E: bottleshops@nih.com.au
