Bar & Nightclub Insurance with Prosura
Bars and nightclubs, with their late opening hours, large volumes of customers, and alcohol consumption can be perceived by insurers as risky, leading to an increase in your premium. But, with access to a wide range of top quality insurers, our broking team will cover you.
For instance, we will take time to understand your business; including your opening hours, staff qualifications, security arrangements amongst other things. Consequently, we will accurately present your business risk to insurers and secure the most suitable bar insurance for your needs. As a result, you can get on with the day job.
Why buying the right Bar & Club Insurance policy is important
It’s not unreasonable to think insurance for nightclubs, sports bar insurance, small bar insurance, or even juice bar insurance are all the same. You might as well buy an ‘off the shelf’ policy from a high street provider.
In fact, bar & club insurance can vary massively depending on the type of business you operate. Do you have a late license? Host events? What is the capacity of the venue (and the potential value of a nights takings?). Do you employ or hire security staff? Is it a private members club serving specialist drinks served by highly trained staff?
At Prosura, we assume that your business is just as unique as you are, and will take the time needed to source and arrange the right covers – so you can get on with the day job. This way, you’ll know you’re adequately protected without paying for cover you don’t need.
Therefore, we can arrange insurance cover for bars and nightclubs. Alternatively, we also handle requests for mobile bar insurance, mobile bar public liability insurance and private bartender insurance too.
On the whole, we work hard to understand the finer details of your business in order to create a tailored bar insurance policy that’ll exceed your expectations.
What is typically included on a Bar & Club Insurance policy?
Insurance for nightclubs and bars is a type of business insurance that will protect your business and its assets from the risks it’s exposed to. It’s typically formed of a number of different covers, including:
- Employers’ liability insurance
As an employer, it is a legal requirement to have employers’ liability insurance. This will help to pay compensation and legal fees should one of your team become ill or injured as a result of the work they do for you. For example, if one of your bartenders suffers a back injury as a result of lifting heavy stock.
- Public liability insurance
As a bar or nightclub owner, the volume of patrons you welcome through your doors, late opening hours, and the potentially intoxicated clientele mean you’re exposed to considerable risk.
If a customer slips on a wet bathroom floor, or topples down the stairs, you could be liable for a claim being made against you. In recent years there has been an uptick in people who injure themselves while intoxicated trying to make a case that the venue that served them was wholly or partly responsible.
Public liability insurance serves to protect your business from the cost of legal expenses and compensation payments should a third-party make a claim for loss or damages as a result of your business activity.
What else do I need to consider with Bar & Club Insurance?
The particulars of your bar insurance policy will depend on the individual requirements of your business.
Our experienced insurance brokers will work with you to understand the cover best suited to your needs. For example, some of the additional bar insurance extras we can arrange include:
- Building and contents cover
- Loss of licence
- Fixtures and fittings
- Money and stock cover (for wine, spirits and frozen food)
- Seasonal stock increase
- Goods in transit/outside catering cover
- Product liability
- Cloakroom liability cover
- Business interruption
What does Bar Insurance cost?
The insurance cost for a bar varies from business to business. It will depend on the size of your venue and its condition, along with its capacity, location, and claims history.
To get the most competitive price on insurance for nightclubs and bars it’s best to use a broker such as Prosura. Furthermore, we work with a wide range of high quality insurers, which means we can tailor a package to suit your exact requirements.
Why buy Bar & Club Insurance from Prosura?
Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll meet your exact requirements.
Our high-quality, cost-effective bar insurance policies are built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.
Furthermore, we give all our Bar and Club Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.
For your bespoke insurance for bars and nightclubs, contact the team at Prosura today.
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