Insurance for social clubs can be tailored to cover a variety of trades, including political clubs, working men’s clubs and other community associations. Social club insurance must be bespoke to the individual organisation to ensure protection against a range of exposures that could lead to financial losses. The nature of your business activities will determine the covers you need most, and there are many considerations to make when placing your insurance. Our business insurance specialists are on hand to talk you through your options and will make arranging your insurance simple and straightforward.
As you can see there’s a wide range of covers that can be included within your social club insurance, from buildings, contents, and stock, to liability cover to protect you for injuries to your staff and visitors. Having the right cover in place can protect your livelihood against unforeseen events that could have significant financial implications and potentially jeopardise the future of your club.
Whether you are renting or you own the building, protecting your assets is essential. You can select the level of cover you need to ensure you have protection against weather events, break-ins and many other unexpected incidents.
Should you suffer damage at your premises, business interruption cover as part of your social club insurance can protect your gross profit or revenue and fixed business expenses if you are unable to open. So if you suffer property damage as the result of a flood or storm, this cover can tide you over financially while you get back up and running.
Having public liability insurance in place can protect you should your customers and guests suffer an injury while they are visiting your premises. For instance, if someone slipped on a wet floor sustaining an injury, they may be entitled to compensation. Public liability insurance can safeguard you and your livelihood financially in these circumstances.
If you are an employer, you are required by law to have employers' liability insurance to protect your staff while they are working, including volunteers. Accidents can happen when you least expect it, and compensation awarded for injuries can be costly. If an employee or committee member fell down some stairs and broke a limb, employers' liability would cover medical and legal costs as well as compensation awarded as a result, if you were found liable.
There are many other covers available to tailor to your individual needs, including cover for money, personal accident, legal expenses, goods in transit and much more. You can select the covers that are relevant to your activities which mean you only pay for the protection you need.
Speak to one of our business insurance advisors who can provide a helping hand to guide you through your insurance options.
With many years’ experience arranging social club insurance, we really understand the exposures you face and the covers you need. So it’s worth giving us a call today to see if we can get you a great deal too.