Common questions about Beer, liquor, and wine stores
Answering the most frequently asked questions about Beer, liquor, and wine stores.
Are tastings covered?Gravity Certs2026-08-17T23:07:49-04:00
Only if disclosed. On-premises consumption changes the exposure and often the license class.
Do I need cyber coverage?Gravity Certs2026-08-17T23:07:49-04:00
Yes. POS and age verification systems hold customer data.
Is my inventory covered against theft?Gravity Certs2026-08-17T23:07:48-04:00
Property covers burglary; crime covers employee dishonesty. Spirits are a high-shrinkage category.
Do I need liquor liability for package sales?Gravity Certs2026-08-17T23:07:47-04:00
Yes. Off-premises sales still carry dram shop exposure under New York law, and general liability excludes it.
What’s my biggest compliance risk?Gravity Certs2026-08-17T23:07:47-04:00
Sales to minors or visibly intoxicated buyers. Documented training and ID checking are your defense.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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