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INSURANCE FOR ALCOHOL & LIQUOR RETAILERS
Selling alcohol brings additional responsibilities and risk. Off-licences and alcohol retailers face higher exposure to theft, age-restricted sales, customer injury and regulatory scrutiny. Insure24 provides tailored insurance designed specifically for licensed alcohol retail businesses.
What Does Alcohol Retail Insurance Cover?
- Public & Customer Liability
- Employers’ Liability (if staff are employed)
- Alcohol & high-value stock insurance
- Theft, robbery & malicious damage
- Fixtures, fittings & refrigeration
- Business Interruption following insured loss
- Legal defence costs (where included)
Common Risks for Alcohol Retailers
- Shoplifting & targeted theft of alcohol
- Robbery & cash handling risks
- Customer slip, trip & fall claims
- Damage to refrigeration or chilled stock
- Regulatory breaches & licence conditions
- Fire, flood & vandalism
Alcohol Licensing & Insurance
Insurers expect alcohol retailers to comply with UK licensing laws, including age-verification procedures, staff training and secure storage. Failure to meet licensing conditions can affect policy validity.
Why Arrange Alcohol Retail Insurance with Insure24?
- Experience with licensed & moderate-risk retail
- Cover for single off-licences or retail chains
- Flexible stock limits for alcohol products
- Competitive premiums from UK insurers
- Expert advice on compliance-sensitive risks
FREQUENTLY ASKED QUESTIONS
+-Is alcohol retail insurance different from standard shop insurance?
Yes. Alcohol retailers are considered a higher-risk retail category and require tailored cover and disclosures.
+-Does this cover age-restricted sales risks?
Insurance can include legal defence costs, but compliance with licensing law is essential for cover to apply.
+-Is theft of alcohol stock covered?
Yes, subject to security requirements such as shutters, alarms or CCTV.
+-Does this include public liability?
Yes. Public liability is a core component for alcohol retailers open to the public.
+-How much does alcohol retail insurance cost?
Premiums depend on turnover, stock value, opening hours, location and security. Quotes are often available quickly.