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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 page.
Related Off-Licence Insurance Guides
Use these pages when an off-licence enquiry needs connecting to cover structure, pricing, theft exposure and other licensed retail risks.
Core Off-Licence Pages
Licensed Retail Path
Authority
- FCA authorised and regulated broker (FRN: 1008511)
- Access to insurer panels including Aviva, Allianz and Zurich
- UK-wide advice for retail, shops and commercial risks