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.

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 about adjustable covers for nightclubs?

Buildings

Cover for the building that your club is housed in, with adjustable limits depending on your needs.

Contents

Protect your building's contents against accidental or malicious damage

Tenants improvements

If you are leasing the venue that your nightclub business operates from and you make permanent structural or cosmetic changes to make it fit for purpose, then you can cover these changes.

Stock

Protection against loss of stock due to building damage or other accidental reasons.

Equipment

Electronic business equipment – cover for your business' vital electronics including laptops, desktop computers and phones.

Sound, lighting and entertainment equipment – cover for your high-value specialist equipment needed to put on club nights.

Other covers

Tobacco, wines and spirits

Outside catering

Deep fat frying including full ranges

Nightclub insurance claims examples

There are various different types of insurance claim that a nightclub business may have to make, so 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 as well as some of your employees' personal belongings. Stock cover should pay for the replacement of items stolen during a robbery.

How do insurance claims work for nightclub businesses?

The below is a good guide of 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 considered essential most nightclub businesses will be required to hold employers liability cover as well. 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 an essential, as many would be unable to afford an uninsured claim.

What does public liability insurance cover for nightclubs?

Our public liability insurance covers your nightclub business for the legal and compensation costs in the event that a member of the public is injured (or their property damaged) and this is the fault of the business.

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.

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.