Insurance for nightclubs Insurance for nightclubs

Customisable insurance for nightclubs and late-night venues. Keep the party going until dawn, only ever paying for what you actually need.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

Standard covers for nightclubs

Build a customised policy that protects your business from a range of risks, so you can focus on keeping the party going 'til dawn.

Standard covers and limits include:

  • Public and product liability – £5m
  • Employers' liability – £10m
  • Loss of license – £100,000
  • Legal expenses – £100,000
  • Money cover – £5,000 in transit / £2,000 in a safe
  • Deterioration of stock – £2,000
  • Goods in transit – £2,000
  • Glass cover – £2,000

What insurance do nightclubs need?

Start with public liability insurance (and get just that), or customise your policy to cover additional risks. Always check your quote and policy documents for full details around exclusions, terms and limits of your cover.

Employers' liability insurance

Employers' liability insurance is a legal requirement for most employers in the UK. If you have staff — whether part-time, full-time, permanent, temporary or apprentices — you may have a legal obligation to have this insurance and have an employers' liability insurance certificate to prove it.

Not having it can result in a fine of up to £2,500 per day for each uninsured day.

Our employers' liability cover offers a £10 million limit as standard. It also includes 50 days’ cover for temporary employees, who do not need to be registered with us, each year.

Buildings insurance

Depending on whether you lease or own the building your nightclub operates in, we can provide cover, with adjustable limits depending on your needs.

Buildings insurance designed to cover the cost of repairing or rebuilding the property, fences and gates if they're damaged by fire, flood, theft or water damage, for example.

Tenants' improvements

If you lease the building your club operates from, you may have made some changes to the space, from structural, permanent to a little cosmetic spruce up to make your place fit for purpose.

Tenants' improvements is designed to cover the cost of repairing or rebuilding any alterations or renovations you've made to your rented premises if they are damaged by, for example, fire, flood, theft or water damage.

You can also add rent payable if you're unable to trade due to this damage.

Contents cover

This is designed to cover items such as furniture, TVs, fridges and freezers, owned or leased by you at your premises against accidental or malicious damage.

Business contents insurance can cover items like tables, chairs or bar stools, and pretty much all other stuff in, on or around your premises that you own or are responsible for, including your glassware and silverware, even beer taps.

Stock cover

For nightclubs and other late night venues, your stock is the lifeblood of your operation. That’s why we offer two types of stock cover to help keep things running smoothly.

Deterioration of stock covers for loss or spoilage of refrigerated items if your fridge or freezer breaks down.

General stock cover gives you extra protection for everything from dry goods and fresh produce to bottled drinks and packaged items — from kegs and wine bottles to crisps and bar snacks. When you start your quote, you'll be asked to choose the amount of cover based on the value of your stock. This cover includes key risks like fire, flood and theft, and your premium is based on the limit you select.

Equipment insurance

From everyday work essentials, like point-of-sale PDAs, laptops and phones, to specialist kit, all the electronic tools you need to make your nightclub the best night out could be protected under business equipment insurance, giving you peace of mind, knowing the items you rely on are covered.

Electronic business equipment insurance is designed to cover your business' vital electronics including laptops, desktop computers and phones.

We can also provide cover for high-value specialist equipment, like sound, lighting and entertainment equipment to make sure you can deliver a night to remember.

Additional covers

We also offer a collection of other covers to boost your policy and give you the perfect protection.

Tobacco, wine and spirits

If you sell wine, spirits and tobacco, this can come with extra risks. We can cover these.

Outside catering

If you provide outside catering, we could cover this too.

Deep fat fyers

If you've got a deep fat fryer on site, we can cover a capacity for up to 20 litres.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

Nightclub insurance claims examples

There are various different types of insurance claim that a nightclub may have to make, so, depending on the policies you've selected, here are a few examples of specific claims that would be covered by Superscript’s customisable policy:

Slippery floors

A member of the public in your club slips on a wet floor and injures themselves, even though you put a sign down. Without public liability cover, you could face having to pay legal and compensation costs.

Unsafe equipment

A member of your club staff is rigging lights while up a step ladder. The ladder gives way and the technician falls, injuring themselves. If a claim is made against you, employers' liability should cover this.

Stolen stock

A robber breaks into your club's stock room and steals items from your stock inventory, including expensive alcohol. Stock cover should pay for the replacement of items stolen during a robbery.

Where we can't offer cover

While we're able to cover a wide range of licensed late venues, but there are some situations in which, sadly, we won't be able to offer you insurance, including if:

  • The nightclub has no external CCTV on the premises
  • The business owner has no previous experience on ownership or management of a nightclub or late night venue
  • There are no door staff working at the club, or if your door staff aren't SIA registered

How do insurance claims work for nightclub businesses?

The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.

If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything (and we mean anything, even if it may seem trivial to you) which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your Superscript claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We’ll keep you updated on the next steps as the claim progresses.

3

A decision is made

We’ll let you know if your claim is successful or not. At Superscript, if your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within 5 working days.

Nightclub insurance FAQs

How much does nightclub insurance cost?

This depends on the level and types of cover you choose for your business.

Public liability cover is often considered important, but it's not a legal requirement. Most nightclubs will, however, be required to hold employers' liability cover.

Depending on the size of the club, you may wish to also consider other covers, including:

  • Business equipment cover
  • Loss of license cover
  • Stock cover

Do nightclubs have to get insurance?

Most business insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for anyone with employees.

Despite this, the majority of businesses that have lots of contact with clients consider public liability insurance an essential, as many would be unable to afford an uninsured claim.

What does public liability insurance cover for nightclubs?

Public liability insurance is designed to cover claims made against you by members of the public for property damage and accidental bodily injury, illness, disease or even death as a result of your work.

If a customer injured themselves by slipping on a spilled drink, or if their mobile phone got accidentally damaged when your bar staff mispoured, for example, public liability insurance should cover this.

Do nightclub security have to be SIA registered to be covered?

Yes, we ask that all nightclub businesses ensure that their security staff are SIA registered to be covered by Superscript, including contract security staff or full-time employees.

Can I insure my specialist equipment?

Yes, if you have business equipment cover then your specialist gear such as DJ decks, LED lights, sound systems and projectors can be insured up to a specified limit.

Can I insure my nightclub for special, one-off events?

Yes, Superscript can arrange specialist insurance to cover one-off events either hosted at, or promoted by your nightclub business.

Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.