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What risks do nightclubs face?

Nightclub owners face a number of risks in the everyday running of their business. Damage and theft of propertyare clear risks, however, claims from your own employees and members of the public could lead to large compensation costs and legal fees.

We offer insurance policies designed to protect nightclub owners against a variety of risks. Our connections with insurers allow us toprovide our clients with competitive quotes for comprehensive policies.

Explore the benefits of nightclubcover with Smart Sure:

Get a nightclub insurance quote today

Explore the benefits of our nightclub insurance and receive a quote today

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What types of insurance do nightclub owners need?

Employers’ liability insurance

Employers’ liability insurance can protect nightclub owners against legal claims made by their own employees. If an employee sustains an injury within your business premises or while carrying out their business duties, your business could be held liable.

Small nightclubs could potentially be made insolvent as a result of legal claims from employees which is why employers’ liability insurance was made compulsory in 1969 for all businesses with employees. As an essential cover, you need to ensure that your business receives a competitive price and comprehensive cover; this is where we can help you.

Explore the benefits of our cover and receive a quote today

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Public liability insurance

Public liability insurance is designed to protect you and your nightclub against injury or property damage claims brought against your patrons and members of the public. If you or a member of your team injure a non-employee or damage their property, you could be held liable and be ordered to pay compensation by a court.

Public liability insurance protects you against the legal fees and obligation to pay for damage or injury that was caused.

Explore the benefits of our cover and receive a quote today

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Commercial buildings & contents insurance

Commercial buildings insurance is designed to protect you and your nightclub if something unexpected happens to the premises. There are certain risks that come with being responsible for a building that is being used as a nightclub. Commercial buildings insurance covers your building against fire, theft, damage and more.

You may also choose to extend your protection with business contents insurance. This covers the repair or replacement of contents within your building up to an agreed value.

Explore the benefits of our cover and receive a quote today

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Frequently asked questions

Employers’ liability insurance is the only commercial insurance policy that is required by law. Despite this, insurance products such as public liability are considered essential by many nightclub and pub owners as they provide protection against potentially devastating risks.
Insurance products such as public liability often charge an excess of around £200 although it depends on the policy. Our team compare quotes form our panel of insurers so that you can choose a policy that suits your needs and the needs of your business.
Public liability insurance is not a legal requirement in the UK but it is an important and useful cover especially for nightclub and pubsdue to the extent that they interact with members of the public on a day-to-day basis.
If you own a nightclub that employs staff, you are legally required to have employers’ liability.If you do not have an employers’ liability policy, you may be fined up to £2,500 for every uninsured day.
Most buildings contents insurance policies cover theft by employees however the level of cover varies from policy to policy. We compare comprehensive policies from our panel of insurers to ensure that you find a policy that matches the needs of your business.