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Compare off licence insurance quotes

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.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

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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 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.

Off licence covers to consider:

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

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)