The Business Insurance Bureau

Nightclub Insurance

Nightclub Insurance Advice

Late Night Venue’s are the backbone of the Entertainment industry, able to offer venue’s and value to people from all over the country, this of course comes with a certain amount of risk.

Adult’s Dancing, Singing and having a good time and some of the most obvious ways that accidents can happen, If we have learned anything with 30 years experience in nightclubs it is this, accident’s can and will happen, It’s just about how well you have planned out your insurance policies to cover you.

We have seen everything from Food poisoning to Firefighting, Call us today to get advice about your business, we know no two businesses are the same, below is some helpful information which will follow a standard protection of insurance for your business.

Public Liability Insurance – Protecting People and Property

Public Liability Insurance Covers the business from injuries to members of the public or property, an essential and legal requirement throughout the United Kingdom when dealing in any way with the public.

Employers Liability Insurance – Protecting the Employee’s & Business

When staff become unwell or injured in the course of operations working on your behalf Employers Liability Insurance protects the business by offering claim settlements to injured staff or staff whom become badly ill.

Business Interruption – Protection from the unforeseen

What happens if a patron falls on an uneven dancefloor? Did you tell your insurer’s about the raised platform? Will They Payout?…

What Now?..

Business Interruption Insurance can be your saving grace, being able to provide for you the ability to recover and deal with the unforeseen to a degree, this can apply to anything that affects your business, If per example you ran a kitchen in an industrial estate your building might have a fire which renders the premises un-usable, Business Interruption Cover is highly suggested for your own benefit.

The Optional Policies – Loss of License Cover

For every location in the United Kingdom wishing to sell alcohol a premises license is required, as a business you must do your up-most to ensure that you operate to the standards laid out in the legislation, while not essential to all catering insurance policies a large amount of businesses do provide alcohol with services.

Reasons for possible loss of license

  • crime and disorder
  • public nuisance
  • public safety
  • sale of alcohol to minors

This however does not preclude the possibility that an unfortunate series of events can lead to the removal of the license from premises or personnel, having cover to protect your business from this can be a victory in the eleventh hour as sometimes the removal of a license can happen immediately.

Doormen Insurance – Assaults and Ejections

Assaults and Ejections can bring a minefield of risk to a business, it is important you are kept up to date with legislation regarding door stewards/ door supervisors.

We are specialists in Nightclub Insurance & food, drink and entertainment insurances, contact us today to find out more.