If you own a night club with limited stock, contents and fixtures and fittings, you may think it’s financially beneficial for insurance purposes to only cover the Public Liability aspect of the night club – unfortunately it is extremely difficult to acquire Public Liability for Night Clubs in isolation. To get cover for your premises the easiest way to acquire this, believe it or not, is to also insure all your stock, contents etc. by taking out a nightclub package policy.
The reason for this is that insurers like to see a bit of longevity in your plans; they like to see that you want to cover the interiors of the premises, rather than just taking out a standalone policy which carries all the risk of being responsible for any attendees.
So how do you go about getting a quotation for your night club insurance policy? The quotation process is reasonably quick actually; we will need to know an array of information broken down as below.
Knowing about you and the premises is the initial part of the process, the more information you can provide the better – think of it the same as you would insuring your house or let property, so we’ll need to know the age, construction and history of any subsidence/flood. Once this is established we’ll then move on to the additions, opening hours, capacity, entertainment, security and so on.
The material damage aspects are next, before calling it is good to work out ball parks of what you need covered the limits of which we need are:
- Buildings (incl. Walls, Gates & Fences
- Tenants Improvements
- Machinery, Plant and Equipment
- Stock of Alcohol
- Non Alcoholic Beverages, Food and all other stock
- Lighting, Sound and Entertainment Equipment
At least this will give you a heads up of what’s required, when making the enquiry, we will require additional information, but the rest can usually be worked out over the phone or email – it may seem like a long process, but we assure you it’s not!
Remember the aforementioned when you’re looking for Public Liability insurance for your nightclub, and give our team a call!
