We only insure nightclubs through specialist insurers who understand
your business although it is also fair to say that insurance companies
willing to insure nightclubs are few and far between these days
and premiums are much higher than in years gone by.
Why? Because following many years of over capacity in world insurance markets which resulted in unrealistically low premiums, reduced profits, reduced reserves necessary to pay for major catastrophes such as September 11th and ever increasing personal injury claims both in number of claims and size of payment, insurers are now careful to charge premiums that they expect to make them a profit rather than guarantee a loss. To get a quotation, you will need to complete a fairly lengthy proposal form. This is because we need a full profile of your business to get as accurate a picture as possible. As always full disclosure of all entertainment is paramount. Insurers rely on the honesty of your answers in assessing whether or not they will offer a quotation, let alone what they will charge. Non disclosure of a material fact can lead to your insurance becoming null and void in the event of a claim. Better to volunteer more information than we ask than to assume that it is not relevant.
We will obtain your quotation as quickly as possible and advise on areas which make the premium particularly heavy or the accompanying terms onerous.
Please complete the simple enquiry form below and we will call you back as soon as we can.
