All Risks, Ltd. Launches New Nationwide Liquor Store Program

HUNT VALLEY, MD – All Risks, Ltd., the nation’s largest independent wholesaler, has introduced a new national insurance program for Liquor Stores with an exclusive A.M. Best A- XIII rated non-admitted carrier.  Products are available through All Risks’ National Specialty Program unit, targeting franchised and independent liquor stores.  Hookah and lottery sales are acceptable if they are less than 10%.  Wine and beer tastings are also acceptable.

All Risks offers the following coverages through its new Liquor Store program: liability, including premises and products, medical payments, property damage to rented premises, liquor liability, hired and non-owned auto, employee benefits, employment practices liability, cyber liability, and property including buildings, business personal property, business income, and equipment breakdown.  Some key coverage extensions are included at no additional charge, consisting of employee dishonesty, money and securities, spoilage, signs, and sewer backup, among others.  Additional lines of coverage are available including business auto and workers’ compensation.  Minimum premiums start at $600 for general liability and $500 for property, while liquor liability varies by state.  This program is available nationwide except AK, AL, DC, HI, IA, ME, NH, OR, VT and WA.

“We are excited to launch a program with specialized coverages for retail liquor stores, both franchised and independent,” stated Chris Kelleher, Vice President of National Programs.  “Our underwriters have expertise in writing owner-operated stores to high volume and multi-unit operations.”

Contact Bryan Meyer, Program Manager, for more information at 877-965-0123, ext. 8201 or

All Risks, Ltd., based in Hunt Valley, Maryland, is the largest national independent wholesale brokerage firm offering comprehensive insurance solutions with a full service platform of brokerage, contract binding, exclusive national programs and specialty personal lines products for retail insurance agents and brokers nationwide.  The 51-year-old firm employs 800 staff members in offices located in Maryland, Arizona, California, Colorado, DC, Florida, Georgia, Illinois, Indiana, Louisiana, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Texas, Virginia and Washington.

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