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Find out more about our specialist nightclub policies here:
Some of the properties we can cover include nightclubs, late night bars and pubs, entertainment venues, concert venues and one-off events. We also provide pub and restaurant insurance so have experience in providing even the most diverse venues with an insurance policy. Simply give us a call and our expert advisors will be able to help decide on the best course of action.
We can provide cover of up to £5,000,000 for sums you become legally liable to pay in respect of accidental injury to any person, or accidental loss or damage to their material property, happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business. We also provide up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
Even if you’re not planning foam parties, pyrotechnic displays or aerial performers, it’s still very important that the insurers fully understand the entertainment activities within your business. We will have a detailed discussion with you to ensure that you have the correct protection in place, and if you’re not partaking in 'high risk' activities, that the insurer's premium reflects this too!
Contents insurance covers your fixtures and fittings, equipment and stock. In the case of a night club this means things like your lighting, sound equipment, bar stock and cash. We can also cover against the leakage of beer and beverages from pumped containers, subsequent damage to contents and a range of other perils specific to your trade. We can additionally provide building insurance if you own the building or your lease makes it your responsibility to insure.
Towergate have many years' experience working together with pubs, clubs and licensed trade venues. We not only understand your industry and the risks involved, but also the subtle differences from one business to the other and are experts in finding the best service for you.
If you need to make a claim then we will be your first point of call. Depending on the circumstances, insurers may appoint loss adjusters to deal with the claim or other assistance may be able to be provided. We will also be available to assist with your claim throughout to help reach a settlement at the earliest opportunity by the insurer
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
We try to provide you with the information that will help you understand the insurance you need:
Our simple guide details the main features and offers advice on getting employers' liability insurance right. Not only is this cover a legal requirement for most UK businesses with employees but it's a vital cover for protecting your business itself.
The great British pub has been the centre of our communities for centuries. As providers of specialist pub insurance and restaurant insurance we have come up with the following interesting facts:
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By law you must have employers' liability insurance assuming you have any staff. However it is also advisable to insure for:
Insurance for your assets including bar/kitchen equipment, fixtures and fittings, tenants improvements and of course the buildings if required.
Insurance to protect the business profits from business interruption.
Insurance against third party liability, i.e. if you are legally liable to pay for an incident which results in an incident that result in loss or damage to a third party while on your premises.
Loss of licence.
Your household contents if you live at the premises.
This enables us to determine the premium of your policy and helps us check that your profit is insured adequately for business interruption.
Not all insurers will insure absolutely everything, however because we have more than one facility we will try to find an insurer who will understand and accept your risk.
We will do our best! Subject to full details of the quote and the insurance provider you have received it from.