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Off Licence Insurance

Off licences often have a unique set of hazards that standard insurance policies may not protect. We arrange bespoke insurance policies that offer extensive cover for all your needs.

We’re passionate about helping off licences like Your Convenience Store in Padiham, Lancashire (pictured above) protect their shops. With access to a selection of UK insurers, we feel we are in an ideal position to be able to offer you a comprehensive insurance package, to suit your business needs. Please see the table below for some of the standard covers our insurers typically offer.

Please note we are unable to offer quotations to businesses located in Northern Ireland.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Loss of licence

  • Buildings cover

Premiums from as little as £153.00

In the past 12 months our customers have paid as little as £153.00*** per annum for off licence insurance.

58%*** of our off licence customers paid less than £900 per annum in the past 12 months.

Why Insurance is Important for Off Licences

You might not want to think about the worst happening, but as a business, it is important to mitigate any risks to your business. This is especially true when you run an off licence as it carries its own particular set of risks.

Business insurance can protect your business from a variety of possible situations; and offers a wide range of covers.

One of the most common covers is public liability, which provides cover for your liability for injury or damage to third parties. Another important cover is employers liability, covering you for your liability should any of your employees become ill or injured as a result of working for you. Off licences should also ensure they are protected by loss of alcohol licence cover. This can provide you with cover if you happen to lose your licence through no fault of your own.

To find out more about the right kind of insurance for your needs, please make sure that you speak with a broker. They can help you evaluate what type and level of cover you require for your business.

About the Off Licence Industry

Unlike other retail stores which sell alcohol, off licences cater for the specific needs of this market. They may be specialists in world wines, beer, or spirits and the place to go when we need advice for a special present or dinner party.

Often, they are more than just sellers of alcohol; they can provide tobacco, snacks, and other essentials too.

If you do decide to open a small, niche off licence, or perhaps a larger chain store in a franchise, you will need to take the time to research into the appropriate licences that you should have and the legislation affecting your chosen business, to ensure that you are operating legally.

You will find that there are time restrictions in place for selling alcohol, and of course, you should always remember to check the identification of anyone whose age you are unsure of.

 

Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 90 policies sold between January 2016 and January 2017.

**** Based on 90 policies sold between January 2016 and January 2017, 52 customers paid less that £900.

MY INSURANCE IS NOT DUE FOR RENEWAL YET, CAN YOU CALL ME CLOSER TO THE TIME TO REMIND ME?

Yes, please leave your details with us and we will call you to talk about your insurance closer to the time.

ARE PRINTED COPIES OF MY INSURANCE DOCUMENTS VALID?

Yes, if you print your documents off they are valid policy documents.

WHAT IF MY TRADE IS NOT COVERED?

When you contact us, the first question you will be asked is your trade/business so we can let you know straight away if we might be able to help you.

WHAT SHOP IS FEATURED ON THIS PAGE?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Your Convenience Store in Padiham, Lancashire is one of our high street heroes.

You Could Save Over 15% With Us*

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Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Feefo Reviews
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of our customers would recommend our service based on Feefo

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Customer Testimonials
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Always prompt, helpful, professional, polite and I feel they try to find the best insurance for my needs.

Joyce Galloway

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