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Nightclubs are one of the riskiest businesses out there and are in the same league as bars and taverns. That’s why it’s crucial to have nightclub insurance in place. Of course, lighting and high-voltage sound systems are used. This contributes to the possibility of fires and electrocution.
nightclub insurance specializes in covering the risks unique to your business. This guide will start by discussing the policies include, cost of premiums and the best companies offering this service.
Night club insurance is a specialized insurance underwritten for the different types of nightclubs, such as dance clubs, live music clubs, comedy clubs, and sports-themed nightclubs.
Related insurance packages are pub insurance and bar insurance. Usually, policies included are liability, commercial property, workers’ compensation, tools and equipment, and more.
General liability, liquor liability, and product liability are the most common types of nightclub liability insurance. Take a look at how each works.
Claims for bodily injuries or property damage against nightclubs can be very expensive. General liability insurance is the only policy that can help if your nightclub finds itself in the same situation.
General liability insurance grants $1 million-$2 million coverage. Your nightclub can use this to cover the following expenses:
| CoverWallet | NEXT (Best) | Thimble | FLIP | |
| Per occurrence limit | $1,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded |
| Food-borne illness endorsement included? | No | Yes | Yes | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | No |
| Name additional insureds? | Yes | Yes | Yes | No |
| Deductible | $0 | $0 | $0 | $0 |
Alcohol brings fun. But it can also cause challenges and self-inflicted injuries when consumed excessively. This is why it’s smart to get liquor liability insurance because intoxicated patrons can hold you responsible.
Liquor liability insurance takes care of the expenses that emanate after these situations happen in your nightclub:
Get all the best quotes from leading providers in a click of a button!
Insurance companies might ask if you want to bundle commercial property and general liability insurance into a commercial property policy. A business owner’s policy is a good option if you want to save money on premiums and enjoy easier policy management.
The nightclub business insurance policy typically offers a $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage. You can customize to enjoy higher or lower limits.
A business owner’s policy allows you to save 5%-10% on premiums. And so, this is a very economical option if your business doesn’t have the liberty to invest much on insurance right now.
| CoverWallet | Thimble | NEXT (Best) | |
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 |
| Commercial property coverage limit | $50,000 | $25,000/$500,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes |
Your nightclub’s equipment isn’t cheap. A full-blown lighting system will cost $5,000-$10,000. Of course, a set of good speakers that are equipped with a state-of-the-art subwoofer and bass system cost $15,000-$20,000.
Tools and equipment insurance grants comprehensive coverage for your nightclub’s speakers, lighting, and other equipment.
Tools and equipment insurance will help your nightclub cover the cost of repairing or replacing speakers, lighting, and other pieces of equipment that can destroyed or damaged.
| NEXT | Thimble | FLIP (Best) | |
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | $50,000 |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Other than patrons, employees can also get hurt while in your nightclub’s premises. Your bartender can sustain cuts after dropping a glass. Your nightclub must grant appropriate compensation if an employee experiences a work-related accident. In connection, workers’ compensation insurance can be used to satisfy this without using funds.
Workers’ compensation insurance helps your nightclub by covering the cost of these work benefits that an employee must receive after sustaining a work-related injury or disease:
Does your nightclub accept bookings and payments through a website? If your website gets breached and the sensitive information of customers gets leaked, cyber liability insurance will cover this.
It will take care of the cost of customer notification, fines, legal defense, professional services for containing the breach, and credit and fraud monitoring.
Consider purchasing business interruption insurance. This will supplement some of your business’s lost income in case operations had to be stopped to make way for repairs, upgrades, or relocation. Coverage also applies if your nightclub can’t operate in the meantime because of an economic crisis, storm, or flood.
Having inland marine insurance is a good idea if you frequently find yourself moving portable equipment from one location to the next.
If speakers, lighting, and other movable equipment get damaged or destroyed during transit because of fire, theft, vandalism, and other covered perils, inland marine insurance will cover your losses.
The average nightclub insurance cost is $190 per month or $2,280 per year for a $1 million general liability policy. Factors that determine premiums are claims history, business history, annual revenue, annual payroll, and location.
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $190 | $2,280 | $0-$500 |
| Liquor liability insurance | $225 | $2,700 | $500-$1,000 |
| Commercial property insurance | $250 | $3,000 | $1,000-$2,500 |
| Business interruption insurance | $195 | $2,340 | $500-$1,000 |
| Business owner’s policy | $300 | $3,600 | $500-$1,000 |
| Workers compensation insurance | $220 | $2,640 | $2,000-$5,000 |
| Excess liability insurance | $192 | $2,304 | $500-$1,000 |
| Cyber liability insurance | $205 | $2,460 | $1,000 |
| Employment practices liability insurance | $226 | $2,712 | $500-$1,000 |
Get all the best quotes from leading providers in a click of a button!
NEXT covers nightclubs through its insurance package for nightlife establishments. You can avail this as a basic, pro, and deluxe plan. Each has its own limits with basic having the least and deluxe the highest.
Average cost: $110 per month
CoverWallets nightclub insurance is tailored to the needs of nightclubs that are involved or uninvolved with the sales of alcohol beverages. Note that your quote will come from different insurance companies because CoverWallet is a broker and not a carrier.
Average cost: $115 per month
Tivly works with NEXT and other insurance companies to provide general liability, commercial property, workers compensation, and other business insurance solutions to nightclubs with demanding profiles.
Average cost: $110 per month
Thimble works with Tivly offering insurance for night clubs.They include general liability, professional liability, workers compensation, commercial auto, and cyber liability,. You will be redirected to a Tivly representative for a quote.
Average cost: $110 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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