Off licence insurance

Without the right off licence insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.

Your shop insurance should be geared up to cover eventualities that could negatively impact your business. As a retailer, you will have contents, fixtures and fittings, stock and potentially buildings that will need to be safeguarded against many perils. Your policy can incorporate these, and protect your livelihood against fire, flood, theft, storm damage and a number of other perils that could damage your property and impact your ability to trade. We can even arrange cover to protect your business equipment whilst you are out and about away from your retail premises.

At Premierline, we offer flexible off licence insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your shop, you should consider the following:

• Public liability – for injured shop visitors or damage to their property.
• Employers’ liability – to protect your shop employees.
• Buildings cover – to cover for loss or damage to your shop premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading, or unloading.
• Business legal expenses – to cover the cost of legal expenses or defending your shop against legal action.

More information

Off licence insurance is designed to cover the retail activities of newsagents, convenience stores, corner shops, mini markets and many other similar trades.

With Premierline, shop insurance covers can be adapted to best meet your individual insurance requirements, giving you peace of mind to focus on running your business.

Any retail business owner will appreciate the hard work, time and effort that goes into running a busy store. Off licence insurance must be a top priority to protect the business you’ve worked so hard to build to give you peace of mind to focus on running your business. But with so many options available it can be difficult to know what you need and what’s relevant to you specifically.

Arranging insurance for your off licence doesn’t have to be tricky or time-consuming. We’ve taken the hassle out of arranging your insurance for off licence shops. We work closely with some of the UK’s leading insurers to provide you with professional insurance recommendations and exceptional service.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.