Off licence owner in their wine shop


Off Licence Insurance

We compare quotes from leading insurers
Off licences are unlike any other retail stores; with late opening hours and high-value stock you need comprehensive off licence insurance to protect against the risks you face on a daily basis.

Finding time to look for the right insurance can be challenging and time-consuming in itself. That’s why we’ve taken the hassle out of arranging your insurance for off licence shops. We work closely with some of the UK’s leading insurers to provide you with professional insurance recommendations and exceptional service.

By understanding the nature of your business and the exposures you face, we arrange cover that’s tailored to your individual needs. So whether you’re running an off licence, a convenience store, or a specialist wine retailer; we’ll work hard to find you the right cover at the right price. You can protect your business online in a matter of minutes if you know the covers you need or alternatively, speak to our specialists who are on hand to provide expert advice and make arranging your off licence shop insurance simple and hassle-free.

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Off licence insurance is designed to protect against many unforeseen events that can lead to large losses or claims being made against you and your business. Many risks come with running an off licence, from theft of high-value stock to loss of licence to sell alcohol. Without the right cover in place, you may be personally exposed to claims and losses that you would need to self-fund.
When deciding what insurance and covers you need to protect your business, you should consider the following:

Without the right off licence insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.

Your shop insurance should be geared up to cover eventualities that could negatively impact your business. As a retailer, you will have contents, fixtures and fittings, stock and potentially buildings that will need to be safeguarded against many perils. Your policy can incorporate these, and protect your livelihood against fire, flood, theft, storm damage and a number of other perils that could damage your property and impact your ability to trade. We can even arrange cover to protect your business equipment whilst you are out and about away from your retail premises.

At Premierline, we offer flexible off licence insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

  • Public liability – for injured shop visitors or damage to their property.
  • Employers' liability – to protect your shop employees.
  • Buildings cover – to cover for loss or damage to your shop premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

Off licence insurance is designed to cover the retail activities of newsagents, convenience stores, corner shops, mini markets and many other similar trades.

With Premierline, shop insurance covers can be adapted to best meet your individual insurance requirements, giving you peace of mind to focus on running your business.

Any retail business owner will appreciate the hard work, time and effort that goes into running a busy store. Off licence insurance must be a top priority to protect the business you’ve worked so hard to build to give you peace of mind to focus on running your business. But with so many options available it can be difficult to know what you need and what’s relevant to you specifically.

Arranging insurance for your off licence doesn’t have to be tricky or time-consuming. We’ve taken the hassle out of arranging your insurance for off licence shops. We work closely with some of the UK’s leading insurers to provide you with professional insurance recommendations and exceptional service.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Great service. Friendly and helpful staff who understood my needs and got me a good price for my shop policy.”
Household Goods Retailer
Customer since October 2023
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Here at Premierline, we work hard to find you the right cover at the right price, so you can focus on what really matters – running your business. Our commercial insurance specialists are on hand over the phone to advise you on the covers available and provide professional insurance recommendations that are tailored to your off licence.
If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm