Insurance for nightclubs and pubs is specifically tailored to cover the unique risks and exposures faced by those in the industry that could lead to large losses or claims being made against you. It’s designed to protect your business against these unforeseen events to ensure that you have adequate cover to work without worry.
Nightclubs carry risks for everyone involved, from staff to customers, and even neighbouring businesses or residents. There are a number of eventualities that could lead to claims being made against you, so nightclub insurance is essential for peace of mind and business continuity.
Liability cover is an essential part of your insurance, and can safeguard your business if a guest were to slip, trip or fall and sustain an injury. Public liability insurance would handle any compensation awarded as a result, and also cover any legal costs incurred.
Your nightclub insurance will also need to include employers' liability if you have any full or part time employees including temporary staff, to cover them in a similar scenario. Employers' liability is a legal requirement, and would protect you if your staff suffered an injury during the course of their employment.
As well as protecting your liabilities, your nightclub insurance can also protect your assets, including buildings, contents, stock and equipment. Typically, your cover will protect against perils such as fire, flood, theft, storm, and many more. It can also safeguard your alcohol licence, windows and money kept on the premises during working hours, and in transit.
Business interruption insurance should also be a key consideration, as this can protect your income should you suffer property damage at your premises meaning you are unable to trade. This means that if you did suffer a fire or flood, business interruption cover can take care of your staff wages and fixed business expenses while you get back on your feet. We never expect the worst to happen, and when disaster strikes it can be devastating. Business interruption can give you peace of mind that should something occur, you won’t be out of pocket.
We work closely with some of the UK’s leading insurers to source nightclub insurance that is specifically tailored to your business. Our advisors have many years’ experience sourcing insurance for nightclubs, and are on hand to find you the right cover for your club and will support you throughout the year.