Whether you are hosting an event or are contracted to provide security for one, you need to make sure that you are fully covered. Events can be unpredictable, and it is best to have appropriate security insurance for events to protect your business in any eventuality.
What sort of events need security insurance?
If you are going to be providing security as part of an event then you should have security insurance. This includes things like sporting events, festivals, conferences and fun days.
What security insurance for events includes?
When you are looking for security insurance for an event, you need to find a policy that is tailored to your needs.
If you are the employer, then you be legally required to have employer’s liability insurance. You may already have this type of insurance, but your provider may not include external events in your policy. It is always best to check. Public liability cover will also be a necessity. This provides you protection in the event that someone is injured or property is damaged during the event.
You may also need to consider including professional liability insurance, especially if you are responsible for planning the security for the event. Cover for loss of keys is worth considering if you are acting as a key holder. Wrongful arrest insurance might be appropriate depending on the type of event. If there is a lot of equipment on-site, then contents insurance might be necessary.
Consequently finding the perfect security insurance for your event is going to require some thought. A conversation with Just Quote Me can really help to determine exactly what you need.
Where to find security insurance for events
If you need security insurance for an event, then contact Just Quote Me. They are experienced insurance brokers who can provide you with all the cover you need. Because they have worked with many different companies, they can assess your needs and guide you to the right policy for your event. Alternatively, find the right insurance for your needs with the quick quote form.
Clubs and bars have become vital revenue generators for the UK economy. The night-time economy is estimated to be worth £66bn, while employing around 1.3 million people. In fact, 6% of the UK’s gross domestic product comes from these businesses. That’s according to a report by the Night Time Industries Association (NTIA). The report hopes to transform the negative reputation often given to the night-time economy.
Reviving UK’s forgotten cities
Clubs can make a huge difference to once forgotten areas, helping to revive cities and attracting visitors to the area. Clubs can become the night-time pulse of cities, despite the media’s enthusiasm for broadcasting the negatives of UK nightlife. Unfortunately, the broader and less sensational benefits of a vibrant nightlife often become overlooked. But instead of encouraging binge-drinking and drug and alcohol-related crime, the NTIA argue clubs actually contribute to improving crime rates. Recorded crime is now 38% lower than in 2002 to 2003. Venues have become much safer, with most clubs careful to ensure that their customers always enjoy a safe evening out.
Number of UK clubs declining
But despite the enormous benefits the night-time economy brings, the nightclub industry faces huge challenges. The number of Britain’s licensed clubs fell from 3,144 in 2005 to 1,733 in 2015. And even London has lost half its clubs in the last five years. This decline is blamed on new police measures and the lasting effects of the recession. But some clubs have had to close due to safety fears or increased injury claims made against them. So, what can club owners do themselves to protect the future of their business?
Protecting your club’s future
Club insurance protects your business against the costly liabilities that owners face every day. Owning a nightclub can be an exciting and rewarding experience. However, hosting a large number of people in one place and while serving alcohol, nightclub businesses must protect themselves against the risk of injuries or property damage. That’s why protecting your investment with dedicated club insurance cover is vital to secure the success and future of your business.
What club insurance do you need?
You need to prepare your business for all the potential risks now and in the future. Therefore, you must ensure your business is fully protected with club insurance. Some of the most common risks of running a nightclub include:
- Injuries to customers
- Injuries to employers
- Damage to venue
- Damage to or loss of audio and electronic equipment
- Loss of licence
Nightclubs can become a place where people make new friends, fall in love, discover new music or find their identity. Securing the right club insurance ensures that not only the venue and everyone in the business are protected, you as the owner can focus on running fantastic club nights, while helping to secure the future of UK’s clubs.