Business Insurance for Night Clubs

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Save money by comparing business insurance quotes for night club insurance

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.

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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 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 night club.

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

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
General liability insurance icon

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.

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

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.

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

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.

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

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

Why do night clubs need insurance?

Your night club faces substantial risks. An accidental injury, 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.

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