Off License Public
Liability Insurance
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Insurance for Off Licenses
Off licences hold high value stock, handle cash late into the evening and see a steady flow of customers in tight spaces. Off License Insurance helps with the cost of claims, repairs and stock losses after things like theft, break ins or accidents in the shop.
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What is Off License Insurance?
Off License Insurance is a policy built around the risks of selling alcohol and convenience goods to the public. Stock cover and public liability usually sit at the centre, with employer’s liability if you have staff. Together they can help with customer injury claims, damage in the shop and the cost of stolen or spoiled stock.
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Why Choose Business
Compare for your
Off License Insurance?
At Business Compare, we work with UK business insurers who understand off licences and corner shops. With one short form or call you can compare quotes, adjust limits and extras to fit how you trade, and speak to a UK based agent if you want help choosing cover.
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Online quote form set up for shop and business customers -
Quotes from several UK business insurers
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Options for sole traders, partnerships and limited companies
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Flex to change limits and key extras as your shop grows
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UK based support if you want to talk things through
for Off Licenses
01
Glass Insurance
Can help with the cost of replacing broken shopfront windows or display chillers after an insured event.
03
Legal Expenses Insurance
Can assist with legal costs for disputes with customers, suppliers or employees.
02
Contents Insurance
Helps protect shelving, fridges, counters and other fixtures if they are damaged or stolen.
04
Goods in Transit Insurance
Helps cover stock while it is being moved between wholesalers, storage and your store.
Type of stock
Shops selling mainly newspapers and snacks are rated differently to those holding more alcohol, tobacco or higher value items.
Location and opening hours
A late opening city centre store may face different pricing to a local neighbourhood off licence with shorter hours.
Security and cash handling
Shutters, CCTV, alarms and how you store cash and high value stock can all influence how much you pay.
Turnover, staff and claims history
Your annual takings, number of staff and any past claims feed into the premium insurers charge.
Off licences deal with steady footfall, narrow aisles and stacked shelves, so it is easy for a customer to slip near a fridge, be hit by falling stock or trip over a box on the floor. Break ins or grab and run thefts can also wipe out a large share of your alcohol and tobacco stock. Public liability insurance helps with compensation and legal costs if someone is injured or their property is damaged in the shop, while stock cover helps you recover after theft, fire or spoilage. Employer’s liability is important if you have staff, as it can help with claims for injuries or illness linked to their work in your store.
Get an Off License Insurance Quote
Protect your off license business today by filling in our quick online form. We’ll provide you with competitive quotes from top UK insurers, ensuring that your business is fully covered.
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