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There is no single premium for off-licence insurance. Pricing depends on how the shop trades, the amount and type of stock held, local theft exposure, security standards and claims history.
Main cost drivers
- Location, crime profile and whether the premises trades late
- Alcohol and tobacco stock values and concentration
- Security controls such as shutters, CCTV and alarms
- Turnover, wage roll and number of staff
- Claims history and past theft losses
- Whether cover includes interruption, money, cyber or product liability
Useful related pages
- How to reduce shop insurance costs for wider retail guidance
- Off-licence insurance for the main niche page
- Off-licence theft risk for the biggest rating issue
- What cover an off-licence needs for policy structure
- Convenience store insurance for mixed-format local retail
OFF-LICENCE COST FAQS
Why can two off-licences of similar size pay different premiums?
Stock mix, postcode, trading hours, security, claims history and whether the business sells other lines alongside alcohol can all affect pricing.
What usually matters more than headline turnover?
For many licensed shops, theft exposure, stock concentration, security controls and interruption risk can be just as important as turnover.