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Night club business insurance

Night club insurance NZ

Night club insurance, quite simply, refers to a specialized form of business insurance tailored for nightclubs and similar entertainment venues. It provides coverage against various risks associated with the operation of such establishments, ensuring that the owner is financially protected in the event of accidents, damages, lawsuits, and other unforeseen incidents.

Why is night club insurance important?

Night clubs are dynamic places where a lot can happen in just one evening. From hundreds or even thousands of patrons dancing and enjoying themselves to staff managing every aspect of the club’s operations. Given this, there’s a multitude of things that could go wrong. This could include injuries on the premises, damage to property, or issues with staff employment. Having the right insurance in place means the business is safeguarded against potential financial burdens arising from such unforeseen incidents.

In New Zealand, the average cost of night club insurance typically ranges between $200 – $400 per month. 

It’s crucial to have night club coverage if your business:

  • Serves alcoholic beverages
  • Hosts live performances
  • Has multiple staff members
  • Operates late into the night

What covers are typically included in night club business insurance? 

Public Liability

This policy covers common night club business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps night club businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Contents/Fitout Insurance

Business contents insurance in NZ is for protecting all the important stuff inside a night club business. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Stock Insurance

Stock insurance in NZ is a type of coverage that helps protect night club businesses from the loss or damage to the items they sell.

Best For
  • Mishaps 
  • Natural Disasters
  • Fires

Employers Liability

This insurance helps protect night club businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

Employment Disputes

This insurance in NZ covers night club businesses legal costs and other expenses arising from disagreements between employees and their night club employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

Building Insurance

Building insurance in NZ is a type of coverage that helps pay for repairs or rebuilding if your building or commercial property gets damaged. 

Best For
  • Accidents 
  • Natural disasters
  • Fires

Business Interruption Insurance

Helps protect night club restaurants when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

How much does night club insurance cost?

Night club insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 


Night club insurance in NZ typically costs between $200 to $400 per month

Who needs night club insurance?

Any establishment that operates as a night club or has elements of a nightclub – such as late-night operations, a dance floor, live music or DJ performances, and serves alcohol – should consider night club insurance. This includes:

  • Traditional night clubs
  • Bars with dance floors
  • Event venues hosting night-time events
  • Lounge clubs

Yes, night club insurance typically covers incidents related to intoxicated patrons, be it property damage or injury claims. However, it’s essential that the club adheres to responsible serving practices and does not overserve alcohol to patrons.

 Yes, part of night club insurance (employment disputes cover) is designed to cover legal fees and potential settlements arising from disputes with employees, such as those related to workplace injuries or employment practices.

How do I get proof of night club insurance

You can usually get proof of night club insurance same day when you purchase insurance through Gerrards.

Acquiring a night club insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our night club business insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does night club insurance not cover?

Illegal Activities

Any claims arising from illegal activities conducted within the premises will not be covered.

Wear and Tear

Regular wear and tear or deterioration of the club’s equipment or infrastructure isn’t covered.

Intentional Damages

Insurance doesn’t cover damages caused on purpose by the owner or employees.

Other common questions about night club business insurance

Yes, you can. Insurance providers, including Gerrards, understand that every nightclub is unique. They’ll work with you to customize a policy that fits your business’s specific risks and needs.

Premiums are based on multiple factors, including the club’s size, location, claims history, type of events, and security measures in place. The better your risk management practices, the more favorable your premium might be.

Yes, specialized equipment like sound and lighting systems can be covered under night club insurance. It’s essential to ensure these high-value items are listed in the policy.

It depends on your policy. Some night club insurance policies might offer coverage for external events, while others might require you to purchase additional insurance for such occasions.

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