Public and product liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public and product liability insurance?

Claims against your business for:

• damage to someone’s property, because of your off licence
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

For example:

• while leaving your premises, a customer injures their hand on some broken glass in your doorway
• a customer has an allergic reaction to an ingredient in one of your products, and sues for compensation

What you’ll need additional cover for:

• road accidents – we can cover certain incidents related to delivery, like slips and trips caused by your business, but you’d need specific insurance for injuries involving a vehicle

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your off licence.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• while doing a stock take, your employee knocks a glass bottle onto the floor which smashes and cuts their hand during clean-up – they need emergency hospital treatment
• your employee trips on a loose floor tile and falls, fracturing his knee

Building insurance

In case something happens to your off licence premises.

What’s typically covered by building insurance?

• the cost of repairing damage to the structure of your building (or rebuilding it from scratch)
• damage to fixtures and fittings
• damage to underground pipes and cables you’re responsible for

For example:

• your shop window is smashed during a break-in, and needs to be repaired
• a fire in the adjoining building causes damage to your premises, and you need to partially close for repair work

What you’ll need additional cover for

• tenants’ improvements – changes to the property’s structure which you’ve organised and paid for yourself, like partition walls or wooden flooring

Read more about business and office equipment insurance

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by contents insurance?

• accidental damage to your shop’s fixtures and fittings, or the equipment you use to run the off licence
• theft, flood, and fire damage

For example:

• your work laptop is stolen during a break-in
• an employee is moving a display cabinet across the shop and it collapses, causing significant damage

Read more about tools insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

• loss, damage, or theft of things like food and drink products, sellable items, and other materials you use to stock your off licence

For example:

• a fire destroys your stock, and you need to replace everything
• someone breaks into your off licence and steals a large amount of product

Read more about stock insurance

Legal expenses insurance

In case you’re hit with legal expenses connected to your off licence.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your off licence
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

• you haven’t been registered correctly with HMRC, and need to pay associated legal costs
• an employee’s wrongful termination lawsuit results in legal costs for your off licence

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you suffer a head injury while reaching for a heavy crate of stock, and need time away from work
• your business partner injures their eye while gardening, and needs ongoing medical treatment

Read more about personal accident insurance