HOW MUCH IS BUSINESS INSURANCE
for Nightclubs?

Night clubs are all unique – that's part of their charm. It's these differences (size, location, facilities, etc.) that can affect how much your insurance premiums cost. Below are some sample insurance quotes for night clubs to give you an idea of what your insurance might cost.

Keep in mind that your actual insurance policies may cost more or less than the examples here. These sample quotes are only meant to offer a rough idea of the price of night club insurance.

HOW MUCH IS
General Liability Insurance?

General Liability Insurance

General Liability Insurance protects night clubs from the cost of third-party lawsuits (i.e., lawsuits from people you don't employ). These include lawsuits related to damaged property, bodily injuries, or reputational damages. For example, if a customer slips on a spilled drink and cracks their head on the floor, you could be sued for their medical expenses, pain and suffering, and indirect costs related to their concussion. For a covered lawsuit, GL Insurance pays your legal bills, including costs of lawyers, evidence fees, and settlements or damages you owe the suing party.

General Liability Insurance costs the typical small night club $1,252 to $6,088 in annual premiums.

Median policy premium:

$1,252 - $6,088

Median policy limit:

$2 million

Median policy deductible:

None

If you rent your building, many landlords require you to have General Liability Insurance because it offers them reassurance that if you damage their property, they'll be able to recoup the expense.

To see how the cost of General Liability Insurance for nightclubs compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

Business Owner's Policy

Business Owner's Policies bundle General Liability and Property Insurance together at a discount, providing an economical way to get two basic business policies. Property Insurance covers items your night clubs owns (everything from the actual building to the kitchen and sound system equipment) from loss events such as fires, thefts, vandalism, and some weather damage.

The typical night club Business Owner's Policy costs between $3,225 and $10,399 in annual premiums.

Median policy premium:

$3,225 - $10,399

Median policy limit:

$2 million

Median policy deductible:

$1,000

HOW MUCH IS
Liquor Liability Insurance?

Liquor Liability Insurance

As a night club owner, you're probably familiar with your state liquor licensing laws and other regulations that may require you to have Liquor Liability Insurance. In some states, dram shop laws hold night clubs responsible for selling alcohol to intoxicated patrons who end up getting into car accidents, causing property damage, or injuring other people. If one of your customers has too much to drink and gets in trouble, your night club could be sued.

Liquor Liability Insurance protects night clubs from these lawsuits. Costs often range from $2,524 to $3,928 per year.

Median policy premium:

$2,524 - $3,928

Median policy limit:

$1 million

Median policy deductible:

None

HOW MUCH IS
Umbrella Insurance?

Umbrella Insurance

Many night club owners buy Umbrella Insurance, which can provide additional lawsuit protection when some of your primary liability policies are maxed out. These include General Liability, Auto Liability, and Employer's Liability Insurance (part of your Workers' Comp policy). If a lawsuit costs more than your primary policy covers, Umbrella Insurance pays up to $1 million in additional legal expenses.

For $1 million in Umbrella Insurance, night club owners can expect to pay $625 to $1,200 in annual premiums.

Median policy premium:

$625 – $1,200

Median policy limit:

$1 million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for nightclubs compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

Free Night Club Insurance Quotes

Free Night Club Insurance Quotes

The cost estimates in this article are ballpark numbers, but if you'd like free, customized insurance quotes, submit an online insurance application. A night club insurance agent will email you free quotes tailored to fit your business.

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