Insurance programmes for nightclubs, bars, and restaurants would typically include a combination of the following cover:

• Business contents insurance: It is important to have insurance in place to protect the interior contents of your nightclub, bar or restaurant. This can include things such as fixtures and fittings, equipment and any furniture. When taking out a policy of this type, make sure you add up the value of all items, as this could be a costly mistake in the event of a claim if you do not have enough cover in place.
• Business assets and equipment insurance: Provides cover for the things that your nightclub, bar or restaurant business needs to operate, such as computers, cleaning materials and stock.
• Public liability insurance: Provides protection if you an individual suffers an injury during or if their property is lost or damaged, and it will give you some protection in the event of a claim.
• Employers’ liability cover: This is a compulsory type of insurance for employers, regardless of whether the member of staff is permanent, temporary, volunteer, contractor or freelancer. The minimum level of protection is £5m, which will cover the cost of compensation claims if staff get injured or fall ill as a result of carrying out their required duties.
• Buildings insurance: If you own the freehold for your nightclub, bar or restaurant, then you need to take out buildings insurance to protect your most expensive asset. The policy will provide cover in the event of perils such as flooding, a fire or theft.
• Business interruption insurance: Provides cover for financial losses if your business can’t operate from its normal premises due to fire, major theft or a flood. This includes things like loss of income and rent and will help to keep your business operating if the worst should happen.
• Stock insurance: Provides cover in the event that your stock (such as food and drinks) is damaged through fire or flooding, or if it is stolen.
• Theft of takings: If you take payments in cash, then you may want added protection in case of theft from you, anyone working for you or your premises.
• Glass cover: This type of policy can provide protection in the event that the windows of your restaurant, shop front and glass displays are damaged maliciously through vandalism.
• Loss of licence: If you serve alcohol in your premises and lose your licence for reasons outside of your control, this will ensure your business can operate as usual.
• Goods in transit cover: This will provide cover if goods are damaged whilst in transit to and from your premises or lost while being delivered by post or courier.

These are just examples of some of the types of nightclubs, bars, and restaurants insurance policies that we look after at The Yorkshire Broker.