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Club Insurance Coverage Overview

club insurance coverage

Club Insurance Canada

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What Constitutes a Club?

Clubs go by many difference names which include; lounge, dance club, nightclub, discothèque and other club activities. These establishments are entertainment venues that serve alcoholic beverages and typically operate late into the night. What differentiates a club from a regular bar or pub, is by having a stage for live musics, at least one dance floor area and a DJ booth. the DJ booth is where a disc jockey would play recorded musics, and typically where coloured lights would illuminate the dance floor from.

Who Needs Club Insurance?

If you own or manage a club, or similar establishment, it is important that you have the right coverage in place to ensure that you are fully covered in the event of a claim. Some organisations that must have or should consider this insurance coverage include, but are not limited to, the following;

  • Nightclubs
  • Bars
  • Pubs
  • Private Clubs, Social Clubs or Legions
  • Reception Halls
  • Taverns
  • Restaurants

What Does Club Insurance Cover?

Club insurance is most commonly found as an extension to an existing commercial general liability insurance policy. This is important coverage as it includes cover for damages to persons and property caused by patrons when customers consume alcohol at your establishment and/or allege that they were over served at your establishment. Also, as many clubs employ bouncers to screen prospective club-goers for entry, it is common for club insurance policies to  include coverage for forcible ejection. Rates of insurance will vary based on the type of business, location, amount of sales and business history.

Common Club Insurance Claims

Examples of common club insurance claims to illustrate the need for this insurance coverage;

  • An intoxicated patron trips and falls down a flight of stairs at your establishment and injures themselves.
  • A patron consumes alcohol at your establishment, and on the way home is involved in an at fault car collision to which alcohol was a contributing factor.

For A Club Insurance Overview And/Or More Information On Common Club Insurance Claims Speak To An ALIGNED Insurance Advocate Or Please Contact Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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