Night Club and Bar Insurance Quotes 

Are you looking for insurance for your Night Club or Bar? Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements. 
 
It can be difficult to gauge the level of Night Club Insurance that your business will require from an online form. You may hold large events and so require cover outside you premises, you may need cancellation cover for your DJ's should you get let down. You may also hold special events such as foam party nights and so need to ensure you mention this to your potential insurer to ensure that this is accepted with your policy, if not you may find yourself uninsured with a large bill on your hands due to no fault of your own. 
 
We can help you find a policy with the covers you require. Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. 
 
Town & Country are a national brokerage remaining local in our working practices. Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

Nightclub Insurance Information 

Ensuring you have the right level of insurance for your nightclub can be a gruelling process, especially if you are going it alone. If you want some support and advise on the level of cover that is appropriate for you specific business, not a generic example, then get in touch with our insurance specialists who work on your behalf to get the best quality cover at the best prices. 
 
It is our responsibility to ask you questions and get to know you business so we can disclose this information to your potential insurer, then when/if you need to claim you can rest assured that the insurance company can not back out of a payment because of something you missed in the small print or failed to disclose at the point in which you took out the cover. 
 
Cover Options Available: 
Employers' Liability - £10 million covering full or part time employees 
Public & Products Liability - £2 million with the option to extend to £5 million or more. 
Property & Stock Damage - covering your buildings, contents and stock to include accidental damage. 
Business Interruption 
Directors & Officers - provides personal liability protection for directors and officers of your business, this again is an extension or sometimes a separate policy. 
Deterioration of Stock 
Legal expenses cover - Covers you for employment disputes, employment awards, health & safety prosecutions and tax enquiries and disputes 
 
Employers' Liability 
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. 
 
Public Liability 
Similarly to Employers' liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers' liability this is not required by law, although it is a very good idea for anyone in the leisure industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well. 
 
Business Interruption 
If for any reason the general day to day workings of the office are interrupted which results in a loss of income you will be covered. Business interruption cover will pay equal to the average income that is lost by the interruption of business. Cover may be considered on a loss of gross revenue basis or a gross profit basis, sometimes as an alternative Increased Cost of Working only cover is taken. 
We need to inform the insurers not only of your risk, but also how you manage these risks. 
 
An example of this would be to establish if you have dance floors, if so how many. 
 
Do you allow glass on these dance floors? 
Do you have security staff/bouncers? 
What time is your licence until? 
Do you provide food? 
Do you have live music? 
Do you have CCTV? Etc. 
 
Additional covers for a Nightclub you may also require: 
Money Insurance (on premises, in safe or in transit) 
Loss of Licence Cover 
Personal Accident /Injury 
Assault Cover for Staff 
Sound and Entertainment Equipment Cover 
Night Club Insurance Quote Night Club Insurance Quotes