About Liquor Store Guard Insurance
A specialty agency that writes one class of business, on purpose.
Why a whole brand for package stores
Most agencies write a liquor store the way they write any retailer: a package policy, a general liability limit, and a renewal that nobody reads closely. That works right up until the part of the business that makes the money is the part the policy excludes.
A general liability policy written for a retail store excludes liability arising out of the sale of alcohol. For a shoe shop that exclusion costs nothing. For a package store it removes the single exposure the owner is most likely to be sued over. The gap is not exotic and it is not rare — it is the standard form doing exactly what it says.
Liquor Store Guard Insurance exists so that the person quoting your store already knows that, and does not have to be told.
Who we are
Liquor Store Guard Insurance is a DBA of Wexford Insurance, LLC , an independent agency licensed in 48 states (NPN 19887690). Independent means we are not captive to one carrier — we place your store where the appetite actually is, which for this class changes more often than most owners expect.
Nate Jones, CPCU
Founder
Nate Jones holds the Chartered Property Casualty Underwriter (CPCU) designation and studied Insurance & Risk Management at Indiana State University. He founded Wexford Insurance and built Liquor Store Guard Insurance around a single conviction: a specialty class is underwritten better by someone who reads its exclusions for a living.
Kami Jones
Co-Founder
Kami Jones co-founded Wexford Insurance and runs the side of the agency that clients actually feel — servicing, renewals, certificates, and the proof-of-insurance filings a licence renewal turns on.
What writing one class actually changes
A specialty agency is easy to claim and harder to demonstrate, so here is what it means in practice rather than in principle.
It means the submission goes out complete the first time. The questions an underwriter asks about a package store are not the questions they ask about a hardware shop: how identification is checked and whether that procedure is written down, what training a clerk gets before working a register alone, how late the store sells and what the last hour looks like, how much of the sales mix is spirits, whether anything is delivered and whose vehicle does it, how long camera footage is retained, and what the compliance history shows — including the checks that were passed. An agency meeting the class for the first time collects those over three rounds of email. We ask them at the start, because we already know they are coming.
It means knowing which policy answers for what. A liquor store buys mostly ordinary insurance, and the one line that is not ordinary — the liquor liability policy that responds to the sale itself — is precisely the one a general retail form removes. Getting that seam right is most of the job, and getting it wrong is invisible until a claim lands on the side of the line nobody checked.
And it means treating alcohol regulation as genuinely local rather than broadly similar. Licence classes, the reach of a dram-shop rule, whether any insurance condition attaches to a licence at all, and how workers compensation is secured all differ state to state — sometimes by municipality. We verify those against each state’s own primary sources and record what the source actually said. Where a question could not be answered from a primary source, our state pages say so instead of filling the gap, and the page carries a table showing which claim came from which document.
How we work
We ask the questions an underwriter will ask, before the underwriter asks them. Then we tell you what the market will do — including when the answer is that your current programme is fine and you should leave it alone. That last answer is not a courtesy. An agency that never says it is an agency whose advice you cannot use, because you can no longer tell the difference between a recommendation and a sale.
Independence is what makes that possible. We are not captive to one carrier, so moving your store is a decision about appetite rather than about quota — and in this class appetite moves more than owners expect. A market that wrote the store comfortably three years ago may not want it today, and one that declined it then may be the right home now.
We are also clear about what we are not. We are not attorneys, and nothing here is legal advice about your licence or your liability. The state pages on this site point at the statute and the agency so you can take a specific question to someone qualified to answer it, which is a more useful thing than a confident paragraph written by an insurance agency.