Public liability, employers’ liability and loss of licence cover built for nightclubs, including the door security and capacity risks a bar doesn’t carry.
Public liability, employers’ liability and loss of licence cover built for nightclubs, including the door security and capacity risks a bar doesn’t carry.
Door staff coverLoss of licenceCustomer injury
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Nightclub insurance is a combination of covers built around running a licensed venue with door security, entertainment and crowds, public liability for customer injury, employers’ liability for your team including door staff, and loss of licence cover to protect your income if your alcohol licence is ever suspended.
Your capacity is set by the fire and rescue authority, and any door supervisor you use must hold a licence from the Security Industry Authority (SIA), both matter to how you’re insured, not just your licensing.
Nightclub insurance can include:
Public liabilityEmployers’ liabilityLoss of licence coverBusiness interruptionSound and lighting equipmentBuildings, fixtures and fittings
What matters most for your nightclub?
What matters most for your nightclub?
Most nightclubs need public liability and employers’ liability as standard, then add loss of licence, door security or entertainment cover depending on how the venue operates.
Most nightclubs need public liability and employers’ liability as standard, then add loss of licence, door security or entertainment cover depending on how the venue operates.
Protect customers & staff
Public liability and employers’ liability, including door staff.
Protect your licence
Loss of licence and legal expenses cover.
Protect your equipment
Sound systems, lighting and bar equipment.
Protect your income
Business interruption if you have to close.
Cover door security
Employers’ liability for SIA-licensed door staff.
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, including door supervisors.
Loss of Licence
Protects your income if your alcohol licence is suspended or withdrawn.
Stock & Equipment
Covers drinks stock, sound and lighting equipment.
Business Interruption
Helps with lost income if an insured event stops you trading.
Getting your nightclub licensed and insured
Getting your nightclub licensed and insured
Your cover should reflect your capacity, entertainment and how late you trade.
Your nightclub may need extra cover if it involves:
Live DJs or resident actsA large dance floor or high capacityAn outdoor smoking or terrace areaVIP areas or table serviceRegular private events or hiresMultiple rooms or sitesThere’s no fixed price. It depends on your capacity, number of door and bar staff, entertainment and your claims history.
Permitted capacity
A higher capacity generally means a higher premium.
Loss of licence cover
Adding this cover increases your premium but protects your income.
Number of staff
More employees, including door staff, increase your employers’ liability exposure.
Level of cover
Higher public liability limits increase your premium.
Entertainment
Live music, DJs or regular events can affect your premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting nightclub insurance takes four steps: tell us about your venue, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting nightclub insurance takes four steps: tell us about your venue, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your venue
Your capacity, entertainment and whether you sell alcohol.
Tell us what you need
Which covers matter most to you.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Nightclub insurance guides
Nightclub insurance guides
Door supervision, late licensing and crowd-related liability claims.
Door supervision, late licensing and crowd-related liability claims.
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Nightclub insurance FAQs
Nightclub insurance FAQs
Straight answers on cover, capacity, door security and cost.
Straight answers on cover, capacity, door security and cost.
Nightclub insurance is a combination of covers built around running a licensed venue with entertainment and crowds: public liability for customer injury, employers’ liability for your team including door staff, and loss of licence cover to protect your income if your alcohol licence is suspended.
Still have questions?
Our advisers are here to help you find the right solution.
