Business Insurance for Night Clubs

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Nightclub

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Save money by comparing business insurance quotes for night clubs

Drinking and dancing results in high liability for night clubs. Business insurance offers financial protection for your club, so you can keep the party going.

Group of friends socializing at night club.

Multiple quotes with one application

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

What types of insurance do night clubs need?

These policies cover the most common risks of running a night club.

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 night club.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Workers’ compensation insurance

Workers' comp is required in almost every state for night club employees. This policy can help cover medical fees and lost wages for work injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

General liability insurance

This policy covers common risks, including customer injuries at your night club, customer property damage, and advertising injuries. It's required for most commercial leases.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel and slander lawsuits

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your night club’s vehicle. It can also cover vehicle damage from weather or vandalism.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Repairs due to vandalism or weather

Liquor liability insurance

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

BEST FOR

Injuries caused by intoxicated patrons
Property damage caused by intoxicated patrons
Legal defense costs

Looking for different coverage? See more policies.

Why do night clubs need insurance?

Your night club faces substantial risks. An injury on the dance floor, a fight between customers, or a fire could shut down your club and leave you in a financial bind. Night club insurance can help protect your business and your wallet when something goes wrong.

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

What our customers are saying

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