Tobacco, wines & spirits insurance is handy if you have a section of your shop dedicated to these high value, higher risk items. It means you can build a policy that’s in proportion to what you sell in your shop.
You might consider this cover if you’ve recently acquired a licence to sell alcohol or tobacco. Wines and spirits are among the most shoplifted items in the UK, so it’s a good idea to protect these high value items with specialist cover; that way your premium can reflect the size and type of store you run, whether it’s a petrol station or corner shop.
We can help shopkeepers absorb the cost of having to replace damaged or stolen beers, wines or spirits following an incident such as a fire, flood or theft as part of an overall small business insurance plan. Just work out the rough value of your stock and add it to your cover plan today. You may also want to look at business interruption insurance. This can cover you for the money you lose if you can’t open for business.
