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Nightclub Insurance

Flexible insurance policies for nightclubs

SMEI
Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Flexible Insurance for Nightclubs

We know running a nightclub can present daily risks and challenges. When you’re busy managing stock and maintaining your premises as well as thinking about the safety of your staff and customers, it’s easy to let arranging nightclub insurance slip down your list of priorities.

But accidents happen. You need to protect yourself and your business against the unexpected. Claims from slips and trips on the dancefloor to loss of income should you have to close your doors in the event of unforeseen circumstances can all have a devastating impact on your business.

We’re here to make sure your business is protected against risks, saving you time so you can concentrate on running your club.

Because we’re a broker, we have access to flexible nightclub insurance policies from a selection of UK insurers. You can select the types of cover you need to protect your business against the risks you face.

Whether you run a small country club or a city-centre venue, we can source nightclub insurance quotes and arrange a bespoke policy to suit you.

Cover Available for Nightclubs*

  • Contents insurance.

  • Accidental damage.

  • Business interruption.

  • Employers liability.

  • Public and products liability.

  • Book debts/account receivable.

  • Money in safe.

  • Money on premises.

  • Legal expenses.

  • Subsidence.

  • Loss of rent receivable.

  • Tenants improvements.

  • Terrorism.

  • Embedded breakdown.

  • Goods in transit.

  • Buildings cover.

You Could Save Over 20%*

Call our team to receive a free, no obligation quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Types of Business Insurance for Nightclubs

Some types of insurance are a legal requirement for all nightclub owners. Your nightclub liability insurance cover requirements will vary depending on your business.

Your nightclub is exposed to risks that may cause injury to the public, your customers and anyone visiting your site, as well as property damage. You need to protect yourself against third-party claims arising from these situations, which carry an increased risk when people are under the influence of alcohol.

Nightclub public liability insurance will cover legal defence and compensation costs should a claim be made against you.

If you employ staff, it’s your responsibility to have employers’ liability cover in place. This insurance is a legal requirement and covers you if an employee is killed or injured due to their work.

Your stock is valuable, and it’s also an attractive target for criminals, so you need protection from theft, as well as accidental damage caused by fires and storms, for example.

You may also need cover in the event of business interruption, in case you lost your liquor licence or your club was flooded. It’s also essential to have cover in place for your club’s contents, including all fixtures and fittings.

If you own your club, you also need buildings cover. However, if you have a leasehold or tenancy arrangement, this depends on the nature of your contract, so check with the owner of the building.

                                                                                                                                                                     

 

Terms and conditions
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 

HOW LONG WILL IT BE BEFORE I AM COVERED?

If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.

DO YOU COME OUT TO EVALUATE MY PREMISES AND BUSINESS WHEN PROVIDING A QUOTATION?

No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.

HOW LONG IS A QUOTATION VALID FOR?

Your quotation is valid for 30 days.

HOW MUCH DOES NIGHTCLUB INSURANCE COST?

There is no average nightclub insurance cost - the cost of your policy depends on your needs. The policies that we arrange are very flexible and can adapt to fit your requirements. We will present you with several options to make an informed decision on which policy is most appropriate for you.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Customer Testimonials
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I just wanted to take time out to praise a member of your staff on being very professional. Credit where credit is due. She helped me massively as I am a first time business owner and with all the stress of everything with completing the purchase of the pub, she made things a lot easier for me and was extremely helpful. Thanks again for her help.

Leigh, The Queen's Head

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