Off licences vary in style and size, however one thing that they all have in common is that they carry a wide range of alcohol. Alcohol in general is not cheap, which means that you need to make sure your off licence insurance protects your products especially those that are expensive such as champagne and liquor. If you provide other products in your store such as cigarettes, snacks or confectionary it is important that your off licence insurance covers these as well. Don’t forget that equipment such as fridges and freezers rarely come cheap so you need to be covered if one of yours breaks