Buildings and content insurance for nightclubs has to take into account the unique nature and use of your building, so make sure you get professional advice from the experts at Park Insurance so that you have the right cover. Remember, ordinary business buildings insurance may not cover nightclubs, and you will need to ensure that the policy you have is specifically designed for licensed premises, and those with late-night licences as well.
Public liability insurance, while not being a legal requirement, is an absolute essential if you're running any business where the public come into your premises. It may also be a condition of your licence, so it's particularly important for nightclub owners to get the right PLI cover. If anyone is injured while in your club then without the right type of PLI that takes into consideration the unique nature of the hospitality industry, you could be liable for injury compensation claims and legal costs.
Other types of nightclub insurance cover that could protect your assets includes:
- Cloak Room cover - to protect against claims for lost property such as expensive jackets or coats
- Business interruption cover - to ensure you have an income if you are unable to open your nightclub due to events such as flooding, fire or natural disasters
- Specialist cover for audio and electronic equipment
- Loss of licence cover
- Specialist liability cover for door supervisors
- Money cover - to safeguard against financial loss due to theft of takings
Find out more about Nightclub insurance from Park
If you run a nightclub and want to make sure that you're properly insured and protected, talk to Park Insurance today. Get a Quote by clicking the 'Get a Quote' button above, or call us direct and talk to one of our fully trained, impartial advisers for no-nonsense, no-obligation advice and a free quote