Nightclub and Late-Night Bar Insurance
It’s not just the early bird that catches the worm
At Full-Time Cover, we’re here to protect your late-night business
We work with leading insurers to deliver you results.
Intro
Whether you run a buzzing nightclub or up-market wine bar, the set of risks you face are bespoke to your business. While an off-the-shelf Insurance policy may seem like the cheapest option, it may not protect you from the late hours you operate. By working with the Full-Time Cover team, you can be confident that your insurance cover is the right fit for your establishment.
Nightclubs, discos, late-night wine bars, bars with dance floors, comedy clubs, and music venues. These all come with a set of risks that takes a specialist understanding and specialist markets. At Full-Time Cover we offer specialist insurance advice, that’s transparent and honest with no hidden fees. We work with a trusted group of specialist insurers to get you the best deal possible for your venue.
Unique to your business
While muted lighting can create an atmosphere in your venue, you don’t want to be left in the dark when it comes to your insurance. That’s where Nightclub and Late-Night Bar Insurance can help. We’ll work with you to ensure that every aspect of your late-night establishment is covered, from the building, your stock, to your USPs from DJ and live music stages to neon lights and smoke machines.
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Key Features
- Liabilities Insurance
- Buildings, Contents, and Stock cover
- Business Interruption
- Personal Contents Protection
- Equipment Cover
- Theft
- Directors and Officers Insurance
- Cyber Insurance
What are the types of cover?
Contents insurance covers your fixtures and fittings, equipment, and stock. In the case of a night club, this means things like your lighting, sound and DJ equipment, bar stock, and cash. Think about your tills and computers. Revamping a nightclub can often come with expensive makeovers and getting your contents cover right is key.
If you are the owner of the property, you need to closely consider the adequacy of your rebuild costs
Remember – buildings insurance is not based on the market value of the property or what you paid for it – it is the cost to rebuild the property. If you are unsure speak to us about our desktop valuations.
Most clubs will be insured for damage to their buildings and contents from floods, fire, or other unexpected disasters. But these policies often won’t cover you for lost revenue if you’re unable to trade. Business interruption insurance could provide you with funds to pay staff, refill stock and rebuild your business. This is a big one, with lots of important factors to consider, particularly for club owners. Often, we see clients underinsured in this area
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FAQs
- Full nature of activities (private functions, dance floor, DJ’s, door staff, pyrotechnics, inflatables, foam events, etc) should be considered. Do you host yoga events during the day? How else is the venue used? A breakdown of your revenue could mean cheaper premiums for the less risky activities.
- With regards to your liability cover, Door supervisors can be directly employed or agency engaged. It is important to help underwriters understand who directs, supervises, or controls door supervisors, even if agency provided. Case law is very complex in this area and knowledge and good practices help reduce risk.
- Is there another occupancy within the building? This is good to point out. Another occupancy can often prevent some other risks which can be important
- If you are a late-night venue, do you have a dancefloor? If not, highlight this – the specific cover you need depends on the nature of your venue
- Basement areas can present an increased risk of flooding, are you in a high-risk area for flooding – should you store expensive equipment in the basement if you are
- Is your Intruder alarm up to date, well maintained, and adequate? The attractive stock should be stored within an alarm protected area
- Health and Safety, risk assessment, and risk management should be up to date, effective, and documented. For example inspections and cleaning of spillages, collection of glasses, an inspection of smoking areas prevents accident.
- Stairs and steps should be marked and with handrails on both sides, covered well by CCTV
- Fire detection and suppression in kitchen areas significantly improve risk
- Door supervisors can be directly employed or agency engaged. It is important to help underwriters understand who directs, supervises, or controls door supervisors, even if agency provided. Case law is very complex in this area and knowledge and good practices help reduce risk.
- Any other security measures? Information is king – you may not think it’s important but it’s great to get a fuller understanding of your business and what planning and measures you have in place
Yes, as a specialist broker for all hospitality, we pride ourselves on the range of cover we offer. Whether you’re a nightclub, cocktail venue, or late-night wine bar, we’ve got you covered
Yes, we can arrange a monthly instalment plan for you.