What Insurance Does an Off-Licence Need?

SPEAK TO A RETAIL SPECIALIST
GET SHOP INSURANCE QUOTES

Decision-stage guidance for off-licences and licensed convenience stores reviewing the main covers they may need.

Off-licences often need more than generic shop cover because alcohol sales, theft exposure, longer trading hours and higher stock concentration can change both the rating and the policy structure.

Core covers many off-licences review

Contents and stock insurance for alcohol, tobacco, fixtures and fittings
Theft and shoplifting cover for stock loss and forced entry damage
Public liability insurance for customer-facing premises
Employers' liability insurance where staff are employed
Business interruption cover for lost income after insured damage

Additional cover areas often considered

Money cover where cash handling is material
Glass and signage cover for frontage damage
Cyber cover for EPOS and card payment exposure
Product liability where food or own-brand goods are sold
Alcohol retail insurance for the broader underwriting context

OFF-LICENCE COVER FAQS

Is public liability compulsory for an off-licence?

No, but it is usually considered essential for a customer-facing licensed shop.

Which pages should off-licences review next?

Most licensed shops should also review off-licence insurance, off-licence theft risk, off-licence insurance costs and the main shop insurance hub.