Insurance for off licences

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Tailored cover for your off licence

The local off licence is a big part of the community, keeping people stocked up not just with food and drink, but last minute essentials at all times of the day and night. Whether yours is a traditional off licence, or more like a mini supermarket, you need protection – just in case something goes wrong. With Simply Business you can build a policy that protects you, your premises, and your clients, all in less than 10 minutes. 

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What insurance do off licence shops need?

Public liability insurance is often a very important cover for off-licence shops, in case someone is injured or their property damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

With business premises insurance, you can insure your off licence shop buildings against damage from unexpected crises, such as fire and flood. If you rent your business space, you’re unlikely to need buildings insurance – but contact your commercial landlord to make sure.

Do you have loss of licence cover?

Your licence is a valuable thing, and you can lose it for many reasons – even in situations where you weren’t at fault. Whether it’s for health and safety reasons, selling alcohol to minors, or crime issues around your premises, it’s worth considering loss of licence cover, just in case yours is removed.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Off licence shop cover details

  • Make sure you read your policy documents carefully and that you understand any exclusions that may apply
  • If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine
  • If you rent your shop premises from a commercial landlord, check with them to see if you need your own buildings insurance

Cover for your stock

Off licences often keep large amounts of valuable stock on the premises, so it’s sensible to insure it separately from your contents. The value of stock can run to thousands or tens of thousands of pounds, so if it was damaged, destroyed or stolen, your shop’s stock cover would help to cover the cost price (not the resale value) of your stock.

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“Been a customer for several years now for public liability insurance. A pleasure to do business with.”

Jason Cooper, Tradesman

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