Nightclub Insurance

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.

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.

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_{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.}