Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Chat With UsChat support 24/7

Off licence insurance

Join over 900,000 UK customers with cover from £3.49 per month*

Get tailored quotes in 7 minutes

Start your quote
  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored insurance for off licences from trusted brands

off-licence.jpeg

Compare quotes from leading brands

  • Hiscox insurance
  • Axa insurance
  • Zurich insurance
  • AIG insurance
  • Churchill insurance
  • RSA insurance
Liked icon

Rated 4.7/5

Based on 39,770 reviews

Precise icon

Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Off licence shop insurance – why is it important?

From stock deliveries to shutting up shop, off licences face a unique set of risks. The average UK public liability claim costs thousands, and alcohol retailers have a lot to factor in. Our cover steps up to protect the business you’ve built, letting you focus on the till, not the what-ifs. There’s cover for public and product liability, plus employee claims, stock, legal expenses, and more.

  • rated 4.7/5 based on 39K+ customer reviews
  • stock, accident, and employee cover – you choose what you need
  • 24/7 UK-based claims support from an expert team

Start your quote

Insurance for off licences – what’s covered?

Your shop insurance quote usually builds around public and product liability insurance, built to protect against damage or injury claims, plus employers’ liability for your staff. For most UK employers, it’s a legal requirement. From there, stock, contents, and buildings cover are popular options, along with legal expenses insurance and personal accident protection for your own injuries, or anyone you choose to cover.

Public and product liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public and product liability insurance?

Claims against your business for:

  • damage to someone’s property, because of your off licence
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

For example:

  • while leaving your premises, a customer injures their hand on some broken glass in your doorway
  • a customer has an allergic reaction to an ingredient in one of your products, and sues for compensation

What you’ll need additional cover for:

  • road accidents – we can cover certain incidents related to delivery, like slips and trips caused by your business, but you’d need specific insurance for injuries involving a vehicle

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your off licence.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • while doing a stock take, your employee knocks a glass bottle onto the floor which smashes and cuts their hand during clean-up – they need emergency hospital treatment
  • your employee trips on a loose floor tile and falls, fracturing his knee

Building insurance

In case something happens to your off licence premises.

What’s typically covered by building insurance?

  • the cost of repairing damage to the structure of your building (or rebuilding it from scratch)
  • damage to fixtures and fittings
  • damage to underground pipes and cables you’re responsible for

For example:

  • your shop window is smashed during a break-in, and needs to be repaired
  • a fire in the adjoining building causes damage to your premises, and you need to partially close for repair work

What you’ll need additional cover for

  • tenants’ improvements – changes to the property’s structure which you’ve organised and paid for yourself, like partition walls or wooden flooring

Read more about business and office equipment insurance

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by contents insurance?

  • accidental damage to your shop’s fixtures and fittings, or the equipment you use to run the off licence
  • theft, flood, and fire damage

For example:

  • your work laptop is stolen during a break-in
  • an employee is moving a display cabinet across the shop and it collapses, causing significant damage

Read more about tools insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

  • loss, damage, or theft of things like food and drink products, sellable items, and other materials you use to stock your off licence

For example:

  • a fire destroys your stock, and you need to replace everything
  • someone breaks into your off licence and steals a large amount of product

Read more about stock insurance

Legal expenses insurance

In case you’re hit with legal expenses connected to your off licence.

  • legal costs attributed to your off licence
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

  • you haven’t been registered correctly with HMRC, and need to pay associated legal costs
  • an employee’s wrongful termination lawsuit results in legal costs for your off licence

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you suffer a head injury while reaching for a heavy crate of stock, and need time away from work
  • your business partner injures their eye while gardening, and needs ongoing medical treatment

Read more about personal accident insurance

How much does off licence business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

Example off license insurance quotes, real prices

axa insurance

£40.97 /month

£364.22 /year

A small family run off licence located in a small retail space

  • 1-2 years' experience
  • Limited company
  • 1 employees
  • Based in Edinburgh
  • Public liability

    £2,000,000

  • Employers’ liability

    £10,000,000

  • Stock

    £5,000

maltings insurance

£84.85 /month

£754.22 /year

A large off licence located on a busy high street and have an ATM

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Sunderland
  • Public liability

    £5,000,000

  • Employers' liability

    £10,000,000

  • Stock

    £30,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Main building

£200

£400

Stock

£200

£4000

Contents

£200

£4000

Employers' liability

No excess

No excess

Public liability

No excess

£750

Product liability

No excess

No excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

Simply Business

Direct to
insurer

Highstreet
broker

Compare policies from a range of trusted insurers

Buy online or over the phone in minutes

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Example claim

Having off licence shop insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Tom saved more than £11,900

An electrical fire at Tom’s (not his real name) shop premises broke out overnight, damaging his Christmas stock, wooden shelving, and lighting. The stock, building and contents cover added to his off licence insurance policy helped cover Tom’s repair and replacement costs.

  • Insurance payout

    £11,908.17

    Covering the cost of fire damage

  • Tom’s costs

    £100

    The excess amount stated in Tom’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,770 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Off licence insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Public and product liability insurance is often an important cover for shops – it’s designed to protect you if someone is injured or suffers an illness, or their property is damaged, because of your business. For example, if you’re running a sandwich shop, is there a risk that someone may get food poisoning? However unlikely, incidents like this do hit thousands of retailers every day, making liability insurance an important backstop.

    Are you hiring staff? If so, you’re usually required by law to take out employers’ liability insurance, even if it’s for a temporary team member, or seasonal staff. You’ll face fines of up to £2,500 a day for anyone you haven’t covered correctly.

    From there, you can pick and choose from other specific protection for your shop’s stock, equipment, fixtures and fittings, and the building(s) you use. Our shop insurance quotes are flexible – you can bundle everything into one policy or go for just one or two covers, depending on what you need.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for off licenses

Tradesperson measuring wood

11 March 2022 • 8-minute read

How to start your own business: a 9-step guide

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Off licence insurance

Insurance

Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers’ liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceVan insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Northampton 900900 Pavilion DriveNorthamptonNN4 7RG

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friendFinance

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.