Nightclub Insurance

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Why do nightclubs need insurance?

Drinking and dancing means high liability for nightclubs. If someone slips on the dance floor and sues your club, it could put you in a financial bind. Business insurance helps you pay for lawsuits and comply with regulations, so you can keep the party going.

Bartender mixing a drink in a night club.
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Multiple quotes with one application

Insureon helps nightclub owners compare quotes for business insurance coverage from top U.S. carriers.

Get several quotes with one easy application.

What types of business insurance do nightclubs need?

These insurance policies cover the common risks of running a nightclub.
Business owner’s policy icon

Business owner's policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It’s often one of the most economical options for a nightclub.

  • Slip-and-fall injuries
  • Damaged customer property
  • Business property damage and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
General liability insurance icon

General liability insurance

A commercial general liability policy covers basic third-party risks, such as a customer who sues over an accidental injury caused by a bouncer. It's required for most commercial leases.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Commercial auto insurance icon

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your nightclub’s vehicle. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Injuries caused to another person
  • Vehicle theft or vandalism
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, property damage, and medical costs if a bartender serves alcohol to a visibly intoxicated person who then harms others.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Cyber insurance icon

Cyber insurance

This policy helps nightclubs recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does food and beverage business insurance cost?

Food and beverage business owner calculating insurance costs.

A nightclub with only a few DJs and bartenders will pay less for insurance than a larger club.

Factors that affect premiums include:

  • Type of food and beverage business
  • Services offered, such as valet parking
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get nightclub insurance?

It's easy to get nightclub insurance or bar insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage for your unique risks, whether you own a small nightclub or a larger venue.

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