Off Licence Insurance

Off licences often have a unique set of hazards that standard insurance policies may not protect. We arrange bespoke insurance policies that offer extensive cover for all your needs.

We’re passionate about helping off licences like Your Convenience Store in Barrowford, Lancashire (pictured above) protect their shops. With access to a selection of UK insurers, we feel we are in an ideal position to be able to offer you a comprehensive insurance package, to suit your business needs. Please see the table below for some of the standard covers our insurers typically offer.

Please note we are unable to offer quotations to businesses located in Northern Ireland.

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Accidental damage.
Book debts/accounts receivable.
Business interruption.
Contents insurance.
Employers liability.
Glass.
Money in safe.
Money on the premises.
Public and products liability.

Buildings cover.
Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of licence.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

Premiums from as little as

£613

In the last 12 months our customers have paid as little as £613 per annum for supermarket or convenience store insurance. That’s just £12 per week!

50% of our off licence customers paid less than £1,111 per annum.***

You might not want to think about the worst happening, but as a business, it is important to mitigate any risks to your business. This is especially true when you run an off licence as it carries its own particular set of risks.

Business insurance can protect your business from a variety of possible situations; and offers a wide range of covers.

One of the most common covers is public liability, which provides cover for your liability for injury or damage to third parties. Another important cover is employers liability, covering you for your liability should any of your employees become ill or injured as a result of working for you. Off licences should also ensure they are protected by loss of alcohol licence cover. This can provide you with cover if you happen to lose your licence through no fault of your own.

To find out more about the right kind of insurance for your needs, please make sure that you speak with a broker. They can help you evaluate what type and level of cover you require for your business.

About the Off Licence Industry

Unlike other retail stores which sell alcohol, off licences cater for the specific needs of this market. They may be specialists in world wines, beer, or spirits and the place to go when we need advice for a special present or dinner party.

Often, they are more than just sellers of alcohol; they can provide tobacco, snacks, and other essentials too.

If you do decide to open a small, niche off licence, or perhaps a larger chain store in a franchise, you will need to take the time to research into the appropriate licences that you should have and the legislation affecting your chosen business, to ensure that you are operating legally.

You will find that there are time restrictions in place for selling alcohol, and of course, you should always remember to check the identification of anyone whose age you are unsure of.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 45 policies sold in 2023. 10 customers paid £613 or less which represents 22%. £12 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently Asked Questions

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So, whether you're a small village shop or a large, out-of-town retailer we can match you with the policy you need. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will present you with the possibilities so you can make an informed decision on which option is best for you.

As you constantly have members of the public filtering in and out of your shop, public liability insurance is crucial. This type of insurance protects you if a member of the public is injured or their property is damaged on your premises. Your contents and stock are your livelihood and protecting them will ensure your business doesn't suffer. Contents insurance protects your goods in the case of theft, damage or devastation such as fire and floods. If you have employees, you are required by law to have employers liability insurance (unless your employees are immediate family or your spouse). This protects you if an employee becomes injured or seriously ill as a result of working for you. Finally, you may want to consider financial protection and business interruption cover. Financial protection ensures that cash on your premises is safe. Similarly, business interruption cover is necessary to protect you in the event your shop is closed due to damage.

There is a wide range of optional cover available depending on your needs. If you own your shop premises, then you will need buildings insurance to protect your bricks and mortar. If, however, you rent your premises, check with your landlord to see if your building is covered. We can arrange flexible policies that match your needs - all you have to do is tell us what your key risks are and what you need covering, and we'll do our best to arrange appropriate cover at a competitive price.

Some types of insurance may be a legal requirement. Others will protect you and your business in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your business could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your business and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.