Tailor your insurance to your off-licence shop

As a shop owner with an off-licence permit, it is important to have insurance that protects you from the financial consquences of accidents involving members of the public. Local shops with an off-licence or mini market service usually attract a high number of returning customers, so looking after their interests as well as yours should be a priority.

Public liability insurance claims alone can be very high, and could therefore financially ruin your business if you don't have the right cover.  To make sure your off-licence shop stays open for business, take out a tailored off-licence insurance policy.

With Simply Business, you can compare business insurance quotes from trusted retail insurers.

Buying your off licence insurance

It’s easy to buy your off-licence shop insurance at a competitive price with our clear, simple insurance quote form.

1. Build the right policy using our simple form
2. Compare quotes from a range of trusted insurers
3. Choose a quote and buy your policy online
4. Speak to our UK insurance team if you get stuck
5. Receive your documents online instantly

Building your off licence insurance policy

You may need several different types of insurance cover for your off-licence shop. These covers should help you get started.

Buildings insurance covers the cost of damage to the building from disasters such as fire and flood. If you rent your business premises you are unlikely to need buildings insurance, however you should contact your commercial landlord to make sure.

Loss of licence cover: your licence is a valuable thing. You can loose your off-licence for a number of reasons (health and safety regulations, selling alcohol to minors, or crime issues around your premises). Simply Business offers optional loss of licence cover on shop insurance policies.

Stock cover can be essential for an off-licence shop. Alcohol products are highly valuable. In the event of loss of stock, this type of cover will reimburse the cost price (not the resell value) of your stock.

Details to look out for

• Make sure you read and understand the exclusions and excess on your policy before you buy.
• Employers have a legal responsibility to take out employers’ liability insurance. Failure to do so could result in a fine of up to £2,500 per day.
• If you rent your premises, check with your landlord whether you need buildings insurance cover.