Compare off licence insurance

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.

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We work with some of the UK's leading insurers

  • Allianz Business Insurance
  • Aviva Business Insurance
  • AXA Business Insurance
  • Covea Business Insurance
  • Hiscox Business Insurance
  • LV Business Insurance
  • NIG Business Insurance
  • QBE Business Insurance

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Protecting your off licence shop

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. So here’s a brief explanation of some of the key covers you should consider and examples of how the insurance we arrange could protect your business.

Off Licence Liability cover

Firstly and most importantly, the people around you; whether they are customers, suppliers, business partners or employees, it’s essential you make sure that anyone involved in your business is protected against accidents that may happen at work. Liability insurance is designed to take care of this for you.

Public liability cover protects members of the public from accidental injury or accidental damage to property caused by your business activities. This can include suppliers, customers and even your neighbours. Accidents happen when you least expect, and compensation claims along with medical expenses and legal costs can escalate quickly. Public liability can protect you against these claims should the worst happen protecting your financial exposure to accidents in the work place.

Similarly, employers’ liability is designed to protect your staff in similar circumstances. Should an employee fall down some stairs at work or drop something heavy on their foot sustaining an injury, you may be liable to pay compensation. As an employer you have a legal obligation to protect your staff in case something unfortunate happens; employers’ liability cover does exactly that.

Off Licence Property cover

So protecting those around you is a fundamental part of your off licence insurance. Next you should consider your property, from stock to contents to buildings and vehicles. As this will form a major part of your financial investment and without the right insurance in place the future of your business could be at risk. Fire, flood, theft and storm are all events that can happen when you least expect and cause devastation to your business. Protecting your assets against imminent threats is essential for your business continuity.

Off Licence Business interruption cover

So you’ve protected your liabilities and your property against the unexpected, but if the worst did happen and you were unable to trade, how would you cope financially? As part of your off licence insurance, business interruption insurance can protect your income should you claim for damage to property meaning you’re unable to open. This invaluable cover could be the financial security blanket that allows you to continue running the business you’ve worked so hard to build. Not only can it cover your fixed expenses such as wages and overheads, it could also help you trade temporarily from another premises while you get back on your feet.

Hassle-free off licence insurance

Arranging insurance for your off licence doesn’t have to be tricky or time consuming. All of these covers can typically be combined into one easy to buy off licence insurance package that can also include cover for business money, goods in transit, freezers contents and much more. So if you know what insurance cover you need simply go online to purchase or if you'd like some advice speak with one of our commercial insurance specialists who are on hand over the phone to advise you on the covers available and provide professional insurance recommendations that are tailored to you. Here at Premier BusinessCare we work hard to find you the right cover at the right price, so you can focus on what really matters – running your business.

Covers to consider:

  • Buildings, contents and stock
  • Loss of licence cover
  • Public liability
  • Employers’ liability
  • Money cover
  • Goods in transit cover

"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

Mrs Curtis Mobile Beautician, Lowestoft (Customer since January 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"Professional, efficient, friendly and thorough service. They fully understood my specific business requirements, and sorted out an insurance policy which not only exceeded my previous cover, but was also a lot cheaper."

Mr Jones, Gym/Health Club, Essex (Customer since January 2018)