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Industries · Nightclubs and lounges

Insurance for nightclubs and lounges

Nightclubs, lounges, dayclubs and late-night venues. We work the specialty market that writes nightlife, and we read the forms that other brokers skip.

Book a callFind out what your program is missing
What's different

Few carriers, and they read the details

The specialty market

Nightlife is written by excess and surplus lines carriers, each with its own forms. Your security plan, hours, capacity and claims history decide the price and the terms.

Assault and battery and firearms

Assault and battery is the claim that closes clubs. Sublimits, firearms exclusions and bouncer contracts need to be right before the doors open.

Events, promoters and bottle service

Promoter agreements, special events and outside vendors each bring their own additional insured and certificate requirements.

Coverage

Coverage that matters for nightlife

Hover over or tap any line for a plain-English definition.

General liabilityWritten for nightlife, with the conditions read line by line.
Liquor liabilityLimits that match your capacity, not the minimum.
Assault and batteryThe best limits the market offers, and never a surprise sublimit.
ExcessSpecialty excess that follows liquor and assault and battery, not just general liability.
Property and business incomeSound, lighting, build-out and the income from your best nights.
Workers' compensationBartenders, security and promoters on payroll.
Crime and employee dishonestyCash at the door and the bar.
Cyber liabilityCard data and reservation systems.
The review

What we check in a nightclub's program

  • The assault and battery limit, and whether the excess follows it
  • Firearms, weapons and entertainment exclusions
  • Hours and capacity conditions that can void a claim
  • Security contractors' own coverage and hold harmless terms
  • Promoter and event additional insured endorsements
  • Liquor liability limits against your lease and licence
  • Whether a Sublimit is shared across claims in the year
  • What the submission says about you, because the carrier reads it first
The USI ONE Advantage®

How a program review works

1

Analyze

A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.

2

Plan

A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.

3

Deliver

We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.

Find out what your current program is missing

A full review of your current insurance program, benchmarked against similar Florida hospitality groups. No cost and no obligation.

Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com

Book a callHow a review works
Have questions?

Nightlife operators ask us

Our premium doubled at renewal. Is that normal?

Sometimes, after a claim or a market change. Often it's a submission that tells the carrier too little. We rebuild it with your security plan, hours, capacity and history, then take it to every market that writes nightlife.

Can you get full assault and battery limits?

In many cases, yes, and where the market caps it we tell you the exact number before you bind, never after a claim.

What makes a nightclub submission strong?

A written security plan, trained staff, camera coverage, ID scanning, clear hours, and a clean account of past claims. We help you put it together.