Off-licenses and newsagents may be exposed to more risks than other retail stores. You have:

• Long opening hours
• Valuable stock onsite
• Often only one or two people supervising the store
• Valuable stock which tends to be flammable
• Reliance on licencing to sell certain products

Due to these increased risks, a standard retail insurance policy may not give you all the cover you need for your off-licence or newsagent. You could look for separate insurance policies to cover the gaps in your policy, but we know that running an off-licence or convenience store is immensely time consuming already. That’s why we’re dedicated to making life easy for you and your business.

We’ll take the time to understand you, your business, and the risks you face every day. We’ll then help you find comprehensive off-licence and newsagents insurance that gives you all the cover you need at a price you can afford.

If you offer online sales as part of your business, such as newspaper or grocery deliveries, your policy can include cover for the vehicle you use for deliveries, for your stock while it’s in transit, and for any accidental damage to customers’ property.

You will need some forms of cover by law:

• Employer’s Liability Insurance – If you hire any staff, for instance, you have a legal requirement to get employer’s liability insurance. This applies even if you solely hire your relatives to work for you.
• Buildings Insurance – You may be required to get buildings insurance as part of your property agreement.

Yet even beyond your legal and regulatory obligations, you should consider getting specialist insurance for your off-licence or newsagent. You face a range of risks every day, and any unexpected event has the potential to sink your business.

Also, high crime rates in your area could cause you to lose your licence to sell alcohol through no fault of your own. Without dedicated loss of licence insurance, such a setback could cause a financial crisis from which you’d never recover.

Off-licence and newsagents insurance will provide a reliable safety net, and total peace of mind that you’ll be able to bounce back and continue trading, no matter what happens.

At Anthony Jones, we specialist in helping off-licences, newsagents, corner shops, and convenience stores get the specialist cover they need.

We’ll take the time to get to know you and your shop, so that we can help you get a comprehensive insurance policy at the best possible price.