NIGHTCLUB INSURANCE IN MASSACHUSETTS

What coverages can nightclubs include in their insurance policies?

Most of the protections included within these policies are either nightclub property insurance coverages or nightclub liability insurance coverages. These categories fundamentally differ in what protections they provide.

Nightclub property insurance coverages normally safeguard physical property that a nightclub has against damage and destruction. These protections might pay on claims related to vandalism, theft, wind damage, fire damage or other specific perils (depending on their terms). Some common property coverages include:

• Building Coverage, which normally protects owned buildings
• Tenants Betterment Coverage, which usually protects build-outs of leased space
• Contents Coverage, which usually protects equipment, supplies and fixtures
• Equipment Breakdown Coverage, which usually protects main equipment against malfunction
• Food Contamination Coverage, which usually protects foods against disaster-caused spoilage

Nightclub liability insurance coverages normally safeguard against lawsuits that could claim a club was responsible for property damage or personal injury. These protections might pay legal defense fees, court fees and settlement fees if a covered lawsuit is filed. Some common nightclub liability insurance coverages are:

• General Liability Coverage, which usually covers slip-and-fall accidents and a few other lawsuits
• Assault and Battery Coverage, which usually covers assault and/or battery lawsuits
• Product Liability Coverage, which usually covers illnesses spread by sold foods or beverages
• Liquor Liability Coverage, which usually covers lawsuits involving inebriated customers
• Commercial Umbrella Coverage, which usually provides additional broad liability protection

Liquor liability coverage is normally a prerequisite for obtaining a liquor license from the state.

Why do nightclubs need assault and battery coverage?

Assault and battery coverage might extend protection to a couple of different incidents that nightclubs find themselves involved in.

Should a bouncer get into a physical confrontation with a patron, the confrontation could result in injuries to the patron. Since the bouncer is acting within the scope of their employment, the club too might be found responsible.

Should a fight break out in a club, anyone who suffers injuries (physical or mental) might try to hold the club accountable. They might have legitimate grounds, or they might be seeking more compensation than an individual involved in the fight can pay. In either case, merely defending against lawsuits get expensive.

Whether a nightclub liability insurance policy's assault and battery coverage extend to these incidents depends on the specifics of the policy’s terms.

How much are premiums for nightclub policies?

Nightclub policies’ rates are based on many factors, including a club’s location, square footage, annual claims, chosen coverages and limits, and recent insurance claims history. Still many other factors are considered when underwriting policies.

Despite variances in premiums, most nightclub policies are affordable when the potential cost of a major loss is considered. An independent insurance agent can help clubs find out how much insurance will be for them, by comparing policies from several different insurance companies.

How can clubs in Massachusetts get nightclub insurance quotes?

For help insuring a Massachusetts club, contact the independent insurance agents at Garrity Insurance. Our agents will work closely with you to determine what protections your club needs, and then we’ll show you several nightclub insurance quotes that meet those needs. We can help you select whichever one is best for your particular club.