Unlike a small shop or office insurance policy, most club insurance policies are “bespoke commercial combined policies”. This means that rather than you getting a standard “package policy” you can “pick and choose” the specific covers to suit your club’s demands and needs. Insurance requirements may vary depending on whether you have live entertainment on premises, whether you employ door security personnel or whether they are supplied by an agency etc.

Tip: the lower the risk to the Insurer the lower you can expect your premium to be. So, good housekeeping with adequate security or protection will make your Insurer look at your club risk more favourably.