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Do You Need Convenience Store Insurance If You Only Sell Newspapers and Snacks?
Running a small newsagent or corner shop that mainly sells newspapers, snacks, and drinks might seem simple. However, even small stores can face…
Off-LicenceInsurance
Off-Licence Insurance
Public liability and stock cover built for off-licences, including the Challenge 25 age verification your premises licence depends on.
Public liability and stock cover built for off-licences, including the Challenge 25 age verification your premises licence depends on.
Alcohol & spiritsLoss of licenceMoney cover
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is off-licence insurance?
Off-licence insurance is a combination of covers built around selling alcohol for consumption elsewhere, public liability for customer injury, stock cover for your bottles, and employers’ liability if you have staff.
Your premises licence requires you to operate a Challenge 25 age verification policy, getting this wrong can put your licence, not just a sale, at risk.
Off-licence insurance can include:
Public liabilityEmployers’ liabilityStock insuranceBusiness contentsLoss of licence coverBusiness van insurance (separate policy)
Cover often bought alongside off-licence insurance
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Loss of Licence
Protects your income if your alcohol licence is suspended or withdrawn.
Business Contents
Protects fixtures, fittings and equipment at your shop.
Money Insurance
Covers cash and takings on the premises or in transit to the bank.
What does a Challenge 25 policy actually require?
What does a Challenge 25 policy actually require?
This is a licence condition, not just good practice, getting it wrong can put your premises licence at risk.
This is a licence condition, not just good practice, getting it wrong can put your premises licence at risk.
| Requirement | What it means | Why it matters |
|---|---|---|
Ask for ID if a customer looks under 25 | A standard condition on most premises licences | Staff must apply this consistently, every time |
Only accept passport, photo driving licence or a PASS card | Photocopies or phone photos of ID aren’t acceptable | Fake or altered ID should be refused and reported |
Display Challenge 25 signage | Usually required at the till and where alcohol is displayed | Often checked during licence inspections |
Keep a refusals register | Shows the policy is being actively enforced | May be requested by the council or police |
Top Tip
Selling alcohol to someone under 18 can mean a fixed penalty, a fine of up to £5,000, and your premises licence being suspended or revoked. A consistently enforced Challenge 25 policy is your main protection against all three.
How much does off-licence insurance cost?
There’s no fixed price. Spirits stock values, late-night trading hours and your security measures all affect what an off-licence pays.
Value of stock
Higher-value alcohol stock increases your contents premium.
Trading hours
Late-night trading can affect your risk profile.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding loss of licence cover increases your premium.
Security measures
Alarms, CCTV and safes can help reduce your risk.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get off-licence insurance
How to get off-licence insurance
Getting off-licence insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting off-licence insurance takes four steps: tell us about your shop, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your shop
What you sell, and whether you have staff.
2
Choose your covers
Public liability, stock and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Off-licence insurance guides
Off-licence insurance guides
Alcohol licensing, age verification and protecting high-value spirits stock.
Alcohol licensing, age verification and protecting high-value spirits stock.
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Off-licence insurance FAQs
Off-licence insurance FAQs
Straight answers on cover, Challenge 25 and cost.
Straight answers on cover, Challenge 25 and cost.
Off-licence insurance is a combination of covers built around selling alcohol for consumption elsewhere: public liability for customer injury, stock cover for your bottles, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related shops we cover
Related shops we cover
Off-licences share licensing and stock risks with these businesses. Each has its own cover needs.
Off-licences share licensing and stock risks with these businesses. Each has its own cover needs.
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Convenience Store Insurance
Overlapping stock, cash handling and late trading.
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Bar Insurance
Alcohol licensing with the same age-verification duties.
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Newsagent Insurance
Similar footfall, tills and high-turnover stock.