• Off Licence Insurance

    Specialist protection for off licences, convenience stores, and alcohol retailers

    Running an off licence involves far more than selling alcohol – it requires vigilance, responsibility, and attention to safety. From managing age-restricted sales and high-value stock to handling busy footfall and late-night trading, off licences face a unique combination of risks.

    Why do Off Licence owners choose Acer Insurance?

    At Acer Insurance, we understand the challenges faced by independent off licences, corner shops, specialist alcohol retailers, and late-night stores. We’ll help you find the right Off Licence Insurance to safeguard your stock, protect your staff, and keep your business running smoothly.

    What insurance would I need?

    We provide tailored insurance solutions that reflect the unique risks associated with selling alcohol, managing stock, and operating extended trading hours.

    • Public Liability Insurance – Protects your business if a customer or visitor is injured or their property is damaged while on your premises – for example, slips, wet floors, or accidents involving displays.
    • Employers’ Liability Insurance – Required by law if you employ staff, including part-time, seasonal, or family workers. This protects your business against claims from employees who suffer injuries or illness at work.
    • Stock & Contents Insurance – Protects alcohol, tobacco, and other valuable stock against theft, fire, flood, or accidental damage. Contents such as shelving, refrigeration units, tills, and signage can also be covered.
    • Money & Theft Insurance – Covers loss of money on the premises, in safes, during trading, or in transit. Can include protection against robbery and assault.
    • Property Insurance – Covers the building (if owned) and fixtures against fire, flood, storm damage, vandalism, and other insured risks.
    • Business Interruption Insurance – If an insured event forces you to close temporarily, this cover replaces lost income and helps maintain financial stability.
    • Goods in Transit Insurance – Protects stock while being transported from wholesalers or suppliers against theft, loss, or damage.

    Other types of cover you may need to consider:

    • Commercial Vehicle Insurance – Covers business-use vehicles such as vans used for stock collection or deliveries.
    • Commercial Legal Expenses – Provides legal support for issues such as licensing disputes, employment matters, customer complaints, tax investigations, and tenancy issues.
    • Cyber Liability Insurance – Protects your business from cyber-attacks, data breaches, online fraud, ransomware, and digital system disruptions.

    Cover for every type of off licence

    We arrange Off Licence Insurance for:

    • Independent off licences
    • Convenience stores selling alcohol
    • Specialist wine, beer, or spirit retailers
    • Late-night or high-footfall shops
    • Off licences within larger retail units
    • Family-run and community stores

    Contact us for a quote today

    At Acer Insurance, we understand the real-world challenges of running an off licence. We work with trusted UK insurers to arrange flexible, robust cover that aligns with your licensing obligations and business needs.

    Let us take care of your insurance – so you can focus on serving your customers safely and confidently.

    Call 01959 528435 for an immediate quotation or leave your details below and one of our experienced team members will call you back.