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Why do banquet halls need insurance?
Your banquet hall faces unique risks. A guest could slip and get injured, or get into a car accident after drinking at your venue. The resulting legal costs could add up. Banquet hall insurance provides the financial help you need to keep your business, so the celebrations don’t have to come to a sudden end.
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Banquet hall owners can save money on insurance by comparing quotes from top providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of business insurance do banquet halls need?
These policies provide coverage for the most common banquet hall risks.
Business owner’s policy
This policy bundles commercial property insurance and general liability insurance under one plan. A BOP is often one of the most economical options for a banquet hall.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Most states require workers' comp for banquet halls that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
General liability insurance
A general liability policy covers basic business risks, such as customer property damage or injuries at your banquet hall. It’s required for most commercial leases.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Defamation lawsuits
Commercial auto insurance
This insurance policy covers legal expenses and property damage in an accident involving your banquet hall’s vehicle. It also covers vehicle theft and vandalism.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Repairs due to vandalism or weather damage
Liquor liability insurance
This policy covers legal expenses, property damage, and medical costs if alcohol is served or sold at a banquet hall 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
Cyber insurance
This policy helps banquet halls and other food service businesses recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does business insurance cost for banquet halls?
A banquet hall with a few workers will pay less for insurance than a larger company.
Factors that affect premiums include:
- Services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get banquet hall insurance?
It's easy to get banquet hall insurance 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 get a quote, buy a policy online, and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your banquet hall, whether you work independently or hire employees.
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