Nightclub Insurance

What does Bar, Pub and Gastropub Insurance cover?

Public Liability – This will cover the costs should a customer’s accident at your bar or pub lead to a lawsuit. This could arise from a spilled drink or torn carpet on a staircase, for example.

Employers Liability – Employers Liability is a legal requirement if you have any employees, whether part-time, full-time or casual. Be careful! You even need to insure volunteers and those on work experience.

Contents and Stock – This will provide cover should any of your bar or pub’s stock, fixtures or fittings be stolen or damaged. It could include accidental damage, fire or flood damage, or even a break-in.

Loss of Licence – This offers protection for forfeiture of your licence for the sale of alcohol due to licensing regulations or causes beyond your control. Such a situation could arise from a fight between customers outside your premises, for example.

Who needs Bar, Pub and Gastropub or Nightclub Insurance?

All bars and pubs need insurance – and our standard policies cover all the risks that a normal drinking establishment would face. However, at BJP Insurance Brokers, we’re very careful to treat all bars, pubs and gastropubs as individual businesses with differing needs. For example:

• You might decide to put on a family fireworks night in your establishment’s gardens. But what are the risks, exactly? And how can you insure yourself adequately against them?
• Late Licence Protection is a must if your establishment relies on after hours’ trade. A bespoke insurance plan can also cover you for door staff and door charges.
• Alternatively, a family member may come in to play a regular, low-key gig – or you may provide professional live music several nights a week. In this case, you’ll need Live Events Cover – but what kind and how much?

That’s where a professional insurance broker comes in. Our team can give you personal guidance, based on the nature of your establishment. We’ll also keep in touch to make sure your policy is up-to-date, as we’re well aware of the changing nature of businesses.

Call the BJP Insurance team to find out how Bar, Pub, Gastropub and Nightclub Insurance can protect your business.

Some of the venues that can benefit from Bar, Pub and Gastropub Insurance are:

• Pubs and public houses
• Gastropubs and ‘wet and dry’ (food and drink) pubs
• Pubs and bars with late/entertainment licences
• Wine bars
• Nightclubs
• Late night venues
• Private function and event venues

Why compare Bar, Pub and Nightclub Insurance Quotes with BJP Insurance Brokers?

With over 20 years as a leading independent insurance broker, BJP Insurance Brokers are ideally placed to find you the best Bar, Pub or Nightclub Insurance to fit your needs. Our relationships with some of the country’s best insurers mean we have access to a wide range of Bar, Pub and Nightclub Insurance plans – plus we’ll be able to negotiate on your behalf if you ever need to make a claim.

To discuss your insurance requirements further, contact our team today.