Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK off-licences — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Off-licences combine high-value, theft-attractive stock with strict alcohol licensing conditions. Insurers look closely at how you manage age verification and security when pricing your policy.
An effective age-verification policy, such as Challenge 25, is a mandatory licensing condition in England and Wales. Insurers may ask what system you use and how staff are trained, since underage sales can put your licence — and trade — at risk.
Persistent underage sales or serious licensing breaches can lead to a closure notice or licence suspension of up to three months. Loss of licence cover can help protect income while the issue is resolved.
Most theft policies only respond where there's clear evidence of forced entry or exit. Given the resale value of spirits and tobacco, insurers pay close attention to your locks, shutters and alarm specification.
Insurers commonly require alarms installed and maintained by an NSI- or SSAIB-approved company, to the correct grade for your risk — particularly relevant given the value of stock typically held.
Money cover usually applies a lower limit outside trading hours unless cash is kept in a rated safe overnight. Declare your typical takings accurately so the limit matches what's actually on site.
Many policies include only a modest sub-limit for plate glass and shopfronts. If you have a large glazed frontage, check the limit carefully — it can usually be increased.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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