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Off Licence Insurance

As an owner of an off licence business you’ll know the risks that it can bring, taking out specialist off licence insurance can give you that peace of mind that in the event that something were to go wrong, you’ll be covered and any problems will be dealt with quickly and efficiently.

Here at T.M.I we offer exactly that. Our off licence insurance policies are tailor made. We work with a range of top UK insurers to ensure you get the right policy for your needs. As an off licence we know that your stock is your business. With an T.M.I policy you’re automatically covered with contents insurance, this cover includes your stock, fixtures and fittings, computers and any electrical goods you have on the premises. You can also add buildings insurance to cover your landlord’s fixtures and fittings, the premises, any out-buildings, shop front and any tenant improvements.

T.M.I’s shop policies come with both employers and public liability cover as standard and our off licence insurance is no different. If you are an employer of one or more members of staff you are required by U.K. legislation to hold employer’s liability insurance, therefore T.M.I provide you with £10 million worth of cover. £1million worth of £1million worth of product and public liability insurance cover is provided as standard, this can be increased up to £5 million according to your specific needs.

We understand that your licence is extremely valuable to you and is a vital necessity for you to trade. A licence can be lost for a number of reasons for example, any insured event, anti social behavior or crime issues around your premises. T.M.I can provide you with optional loss of licence cover to protect you against this loss should it occur from events outside of your control.

If your off licence is affected by a serious insured peril, such as fire or flood, meaning you are unable to operate or trade from your business premises, you’ll need business interruption insurance. This cover is included within T.M.I’s off licence insurance as standard for 12 months.

The public liability element of your insurance can be extended to cover any accidents or incidents that can be occurred on your premises for more information contact one of our business insurance advisors.

There are two easy ways to obtain your off licence insurance quote. Firstly, you can get a quote online or you can call our team directly on 01543 373700 and we can provide you with a quotation for your business over the phone.


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