Insurance for Bars, Nightclubs and Pubs
Nightclub and Bar Insurance with a specialist Insurance Broker on your side
Nightclub and Bar Insurance
Nightclub and Bar Insurance with a specialist Insurance Broker on your side
Why it matters
Bar Insurance, Nightclub Insurance and Insurance for Pubs and Hotels can be very difficult to obtain if you don’t know where to look. This is because there is an increased risk and exposure due to the volume of people at your premise, along with the serving of alcohol that can result in slips, falls, and intoxication-related injuries. A claim can be brought against your business that could amount to thousands, or hundreds of thousands. As you have a duty to the public and your customers to keep everyone safe, you will no doubt have strict procedures in the below areas:
- Responsible service of alcohol
- Complies with relevant legal and relevant legislations
- Checking of ID
- Adequate and ongoing staff training
- Procedures on how to handle intoxicated customers
- Outsourcing of security personnel
Failure to adhere to the above (where neccessary for your business), could find you liable for any claims brought against you. This is where a Public Liability Insurance policy can protect you from the enermous costs involved when an injury claim occurs.
Licensed Venues
Dancefloors & Nightclubs
Live Music & Events
Public Liability Insurance for NightClubs, Pubs, Bars, Hotels, Pubs
Nightclub and Bar Insurance wouldn’t be complete without a Public Liability Insurance policy. Public Liability is designed to pay for the legal costs after a claim is brought against the business.
The claims can be for compensation to reimburse the claimant for medical expenses, time off work, and mental anguish following an injury that they deem you liable for. Whether you’re determined liable or not for these costs, there will be legal costs that are incurred by your solicitors, the claimaints solicitors and any other parties involved. These costs alone can sometimes equal the amount of the compensation amount, so it’s important that you have a Public Liability Insurance policy that will protect you from the large costs associated when a claim is brought against you.
Public Liability Insurance is more than just a legal requirement; it’s a shield that protects your business and your patrons.
Coverage for Accidents that result in injuries: Despite your best efforts and intentions to maintain a safe environment, accidents happen. Public Liability Insurance provides coverage for incidents such as slips, falls, or other mishaps that may happen.
Legal Protection: In the unfortunate event of a liability claim having public liability insurance means you’re not left to navigate legal matters alone. From legal fees to settlement costs, public liability insurance can provide financial support, helping to safeguard your business.
Peace of Mind: Knowing you have insurance in place offers peace of mind, allowing you to focus on what matters most, your business and your customers!
During an evening, a customer slips on a wet floor near the bar area and falls, injuring his arm.
The customer is taken to the hospital by ambulance due to the severity of his arm injury. He undergoes medical treatment, including X-rays and a cast for a fractured arm. As the customers job is also in the construction industry, he had to take time off work until his arm healed. The medical bills, treatment and the time off work are then passed onto the licensed venue for reimbursement. A public liability policy can assist with these costs, along with any legal costs when determining the if the licensed venue was liable or not to pay these costs.
Product liability insurance protects businesses from claims arising from the sale or supply of products to customers that cause harm or injury for example:
- Food Poisoning: If a customer becomes ill after consuming beverages served due to contamination or improper handling
- Allergic Reactions from incorrectly serving items when instructed to avoid (peanut allergies for example) – more geared towards a restaurant
- Contaminated Beverages: If a beverage served by the venue is contaminated with foreign objects or substances, causing harm to the customer, it could result in a product liability claim.
Business Insurance
A business insurance package typically ifor nightclubs, and licensed venues is to protect against various physical risks such as fire, storm, theft, vandalism and loss of income.
Top Risks
Licensed venues face key risks such as alcohol-related incidents, patron injuries, property damage, employee injuries, business interruptions, cyber threats, theft, employment issues. Comprehensive insurance coverage and proactive risk management are essential to ensure safety and financial stability.
Fire & Weather Events
Loss of Profits due to an interruption
Employees are injured
Vicarious Liability
Machinery & Electronic Breakdown
Fines & Penalities
Vandalism
Theft
Employee injury
Employment Practices Claims
How Morgan Insurance Brokers can help
Morgan Insurance Brokers are experts when it comes to insuring Bars, Nightclubs, Cocktail bars, Pubs, and hotels. We have a panel of insurers that we can access to obtain you comprehensive cover for your business. Trade easy knowing you’re insured correctly! Contact us today.
Frequently Asked Questions
In the event of an incident or altercation, video footage provides valuable evidence for investigating what happened and determining the sequence of events. It can help authorities or venue management understand the circumstances leading up to an incident and take appropriate action. Video footage can be instrumental in protecting the nightclub from liability claims. It provides documentation of the activities and behaviors of patrons and staff, which can be used to defend against false accusations or claims of negligence. Where an incident occurs, footage should be retained for 2 years.
Insurance companies require establishments serving alcohol, such as bars, to ensure that their staff are trained and certified under Responsible Service of Alcohol (RSA) requirements as a condition of obtaining public liability insurance coverage. This is because RSA training helps reduce the risk of alcohol-related incidents, which can lead to liability claims against your business.
Utilising outsourced security services can provide a layer of liability protection for licensed venues. In the event of incidents or claims involving security-related issues, having professional security personnel who are properly trained and licensed can demonstrate that the venue took reasonable steps to ensure the safety and security of its patrons. Insurance companies will usually have this as a requirement but internal security can also be considered upon request and would need the qualifications and license (ISL) numbers of all staff who are in any way involved in a security and a full copy of your procedures & operations manual regarding all aspects of your security.
Depending on the type of insurance you require, we will ask a series of questions to determine, and obtain the best insurance cover for your requirements.
Dance floors introduce additional hazards and risks, such as slips, trips, and falls, especially when patrons are dancing and moving around. The presence of a dance floor increases the likelihood of accidents and injuries occurring within the venue, which may lead to liability claims.
Licensed venues with dance floors often serve alcohol to patrons, which can further heighten the risk of accidents and incidents. Alcohol consumption can impair judgment, coordination, and behavior, increasing the likelihood of accidents or altercations on the dance floor.
Yes, providing a copy of your liquor license to the insurer is typically required. This helps the insurer verify that your venue is legally permitted to serve alcohol.
Yes, providing a Risk Assessed Management Plan (RAMP) is often required by insurers for nightclubs. This plan outlines how your venue manages risks associated with alcohol service, including strategies for minimising harm and ensuring compliance with licensing laws.
