Business Insurance for Banquet Halls

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Banquet Hall
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An injury or fire at your banquet hall could have severe consequences. Small business insurance provides the protection you need to survive a mishap.

Decorated tables and balloons in a banquet hall.
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Multiple quotes with one application

Insureon helps banquet hall owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do banquet halls need?

These policies provide coverage for the most common banquet hall risks.
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance under one plan. It’s often one of the most economical options for a banquet hall.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for banquet halls that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Lawsuits over employee injuries
General liability insurance icon

General liability insurance

This policy covers basic business risks, such as customer property damage or injuries at your banquet hall. It’s required for most commercial leases.

  • Slip-and-fall accidents
  • Damaged customer property
  • Defamation lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers legal expenses and property damage in an accident involving your banquet hall’s vehicle. It also covers vehicle theft and vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather damage
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal expenses, property damage, and medical costs if alcohol is served or sold at a banquet hall to a visibly intoxicated person who then harms others.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Looking for different coverage? See more policies.

Why do banquet halls need insurance?

Your banquet hall faces risks every time you host an event. A guest could slip and suffer an injury, or get into a car accident after drinking at your venue. The resulting legal costs could put you out of business. Banquet hall insurance provides the financial help you need to keep your business going, so the celebrations don’t have to come to a sudden end.

How much does food and beverage business insurance cost?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on insurance costs, including:

  • Type of food and beverage business
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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