• Skip to primary navigation
  • Skip to main content
  • Skip to footer

MFE Insurance Brokerage

Specialty Insurance Brokers

  • Insurance Products
    • Entertainment
      • Production
      • Special Events
      • Staging & Rigging
      • Touring
    • Cannabis
    • Drone & UAV
    • Bar
    • Nightclub
    • Restaurant
    • eSports
    • Technology
    • Business
    • Health
    • Home
    • Life
  • About
    • Carriers
    • FAQs
    • Testimonials
  • Blog
  • Contact
  • Get Quote: 213-266-7990
  • Sign In
  • Apply Now

Nightclub Insurance

Apply Now
› Insurance Products › Nightclub Insurance

MFE Insurance offers nightclub insurance policies to protect nightclub owners from liability as a result of bodily injury to patrons or employees, fights or damage due to intoxication, employee negligence, and more. By failing to acquire proper coverage, your nightclub may be liable for a variety of lawsuits that may result in total liquidation and loss of various licenses. Moreover, nightclubs that serve alcohol or employ bouncers run the risk of added legal repercussions and should be insured with liquor liability or bouncer liability insurance, respectively. This can protect your nightclub from facing serious charges (financial or otherwise) caused by drunkenness, belligerence or physical damage caused by guests and employees.

Our nightclub Insurance can be tailored for your nightclubs requirements based on your clientele and venue. This ensures that the cost and scope of your coverage aligns with your businesses’ needs. Learn more about our unique nightclub insurance offerings below.

Contents

  • 1 General Liability Insurance
  • 2 Liquor Liability Insurance
  • 3 Assault & Battery Insurance
  • 4 Property Insurance
  • 5 Bouncer Liability Insurance
  • 6 Workers Compensation Insurance
  • 7 Garage-Keepers Liability Insurance
  • 8 Equipment Breakdown Insurance

General Liability Insurance

General Liability Insurance will cover your nightclub against allegations and lawsuits pertaining to property damage or bodily injury in situations where a patron is injured in your nightclub or in perimeter areas such as parking lots. For example, if a patron is dancing, trips, falls and sprains her ankle, or a bartender accidentally spills liquor on someone’s jacket, general liability will cover these third-party claims in the event of a lawsuit. General Liability Insurance also protects against specific claims of slander and libel against nightclub owners or staff, and wrongful eviction (in case a bouncer kicks out the wrong guy), in addition to other “general” claims.

General Liability Insurance can cover the costs of claims related to:

  • Bodily injury or property damage: in the event of bodily harm (a patron slips and injures themselves) or property damage (a bartender ruins a patron’s possessions)
  • Reputational harm: for claims of malicious prosecution, libel, slander, wrongful eviction, violation of privacy
  • Advertising errors: in the event of copyright infringement via advertising
  • Medical payments: to cover medical costs if a patron (non-employee) sustains an injury at your establishment

Liquor Liability Insurance

coworkers drinking at a nightclub that has nightclub insurance to protect themselves against liquor liabilityAs most, if not all, nightclubs liberally distribute and serve alcohol, Liquor Liability Insurance is a must. Liquor Liability Insurance will cover you and your business from claims that occur in the event that an overly intoxicated patron injures someone (or themselves) or who incurs property damage while in or traveling from the venue. Note, however, this excludes coverage for injuries sustained by fights.

For example: if an inebriated patron falls and gets a concussion in the parking lot (or pushes someone down a flight of stairs) you may be held accountable and sued. Liquor Liability Insurance helps protect you and your nightclub from these highly susceptible lawsuits and other alcohol-related incidents.

MFE Insurance Logo

Get started today! Fill out our Nightclub Insurnace application and request a FREE quote.

Nightclub Application

Assault & Battery Insurance

Going along with having too much to drink, excessive alcohol consumption can also often lead to erratic, sometimes violent, behavior. If a fight ensues and a physical altercation causes a patron to be injured in your nightclub, you could be held liable. This could result in being forced to pay for their medical costs and injuries on the grounds that you failed to provide a safe environment for your patrons. For these reasons, Assault & Battery Insurance is an essential tool for nightclub owners that can help protect you from these types of claims.

For example: If an argument leads to a minor struggle (or a multi-person brawl) at your nightclub and someone is physically injured as a result, they can sue your establishment for their complications. Assault & Battery Insurance will cover you and your nightclub for the legal and medical fees associated with these claims (lawyer fees, hospital bills, etc).

Property Insurance

nightclub equipment that is covered through an insurance policy in case it were to be vandalizedVandalism is unfortunately a common occurrence in nightclubs, and some situations (a flooded bathroom for example) can potentially thwart a nightclub’s earning potential by forcing it to close for restoration.

Moreover, in the event that critical assets are damaged beyond repair, many nightclubs may not have the financial means to recover. MFE Commercial Property Insurance can cover your nightclub’s venue and assets due to vandalism and other causes of property damage including natural disasters, fire and theft. This also includes repairing and replacing damage to your nightclub’s physical structure, content, fixtures, and inventory, as well as a backup, sewer, and drainage systems.

For example: Suppose a boozy patron is upset because your bartender incidentally threw out her obnoxious boyfriend, then clogs all the toilets and floods the women’s bathroom, causing your nightclub to close the next day for repairs. Commercial Property Insurance will pay to replace the damaged property (toilets, stalls, tile, plumbing, etc.) and reimburse your loss of income during the period of restoration.

MFE Insurance Logo

Get started today! Fill out our Nightclub Insurnace application and request a FREE quote.

Nightclub Application

Bouncer Liability Insurance

While employing security personnel can be an invaluable safeguard against potential fights, physical damage and other altercations, they are unfortunately not without their own risks. Bouncers can sometimes cause just as much (if not more) damage to disruptive patrons when attempting to remove them from the venue. Bouncer Liability Insurance will provide compensation for bodily insurance to patrons who are injured by bouncers, as well as any injuries sustained by bouncers while on the job.

For example: A bouncer in your club attempts to remove a belligerent guest who is picking a fight with a fellow patron and in so doing, both breaks the patron’s rib while sustaining a “brawler’s fracture.” Bouncer Liability Insurance will compensate for these injuries, as well as the wages the bouncer may miss while recovering.

Workers Compensation Insurance

nightclub bouncer whose employer purchased workers compensation insurance in case he were to become injuredWorkers compensation insurance, otherwise known as ”workers comp” is a program mandated by the state which provides employees consistent payments to recompense their injury (or sickness) resulting from a work-related accident. Workers Compensation Insurance will cover the medical costs from the injury or illness, replacement income, costs to retrain the employee, and provide compensation for any permanent injuries. Our MFE Insurance Business Consultants can inform you on the nightclub industries’ specific rules and regulations to ensure that your employees are properly covered.

For example: A bartender slips and falls behind the bar, breaking their foot. Worker’s compensation will cover their medical bills and the wages they miss while they are recuperating from their injury.

Garage-Keepers Liability Insurance

If your nightclub provides patrons with valet parking, garage-keepers insurance will provide coverage if a vehicle is damaged while under the care of your valet attendants.

Classic example: Your valet-man nicks the door of a AMG S-Class Coupe as he maneuvers it into a tight parking space. Luckily for you (and your driver), Garage-Keepers Liability Coverage will reimburse the owner for repairs.

Equipment Breakdown Insurance

Nightclubs operate on an assortment of technical equipment and machinery, including audio systems, lighting, HVAC systems, and refrigeration units and kitchen appliances in venues where food is served. Equipment Breakdown Insurance will cover your losses in the event that malfunctions, power surges, electrical outings, short circuits, or other mechanical breakdowns cause any of these essential devices to fail. Moreover, MFE Equipment Breakdown Insurance will reimburse you for any losses incurred as a result of these breakdowns, including expenses incurred to minimize further loss or expedite repairs.

For example: A live-DJ is hosting tonight and the addition of high-power electrical devices (audio equipment) on the same power line as your lighting system causes a power surge, terminating the lights and forcing your nightclub to close for the rest of the weekend. Equipment Breakdown Insurance will provide financial assistance for repairs and replacements so that your nightclub can reopen within a few days, not weeks.

MFE Insurance Logo

Get started today! Fill out our Nightclub Insurnace application and request a FREE quote.

Nightclub Application

Get In Touch.


  • This field is for validation purposes and should be left unchanged.

Footer

Talk to a Human Now

213-266-7990

1019 E. 4th Pl.
Los Angeles, CA 90013
213-266-7990

344 N Old Woodward Ave,
Suite 302
Birmingham, MI 48009
313-395-1855

Follow Us on Social Media

Social Icon
Social Icon
Social Icon

Company

  • About
  • Blog
  • Carriers
  • Contact
  • FAQs
  • Testimonials
  • Client Portal

Insurance Products

  • Cannabis
  • Entertainment
  • Bar
  • Technology
  • Restaurant
  • eSports
  • Nightclub
  • Drone & UAV
  • Business
  • Life
  • Health
Google Rating
4.8
MFE Insurance Brokerage
MFE Insurance Brokerage
4.8
Tara Fartemer
Tara Fartemer
13:34 20 Aug 19
I called MFE Insurance Brokerage about car insurance for my son after seeing the reviews on Yelp. (My son is a student in CA and I live in TN.) Payman explained everything in detail and got a great rate for us! I would definitely recommend him to anyone looking for insurance!
Aaron Godfred
Aaron Godfred
16:55 10 Sep 18
MFE Insurance is great. Omaze has demanding and constantly changing insurance needs and MFE is easy to get in touch with, has a great online cert generator and are awesome people to boot! Highly recommend.
Oscar Bucher
Oscar Bucher
05:25 15 Mar 18
Alec Roberts and his team really go the extra mile to ensure their clients receive the proper insurance that is right for their business at the best price with a timely turnaround. They provided same day service - from quote to a full policy with proof of insurance and helped me win bids and develop my business. They are your allies in the insurance world - look no further!
Jon Keeyes
Jon Keeyes
19:21 13 Sep 17
I've worked with many insurance companies over the years for production insurance on feature films. Once I found MFE, I never looked back. Not only is there pricing competitive (and typically better than many other brokers), Alec and his staff are amazing, quick to reply, and fast to assist. And they make all your insurance needs for production run smooth and easy. I couldn't recommend a better broker.
Ashley Rosenberg
Ashley Rosenberg
22:26 24 Oct 17
AMAZING. Never felt like they were giving me BS information, or quotes that weren't necessary for my production. Always informative (explaining in depth what I would, or wouldn't need for certain situations! Claims were seamless, and the team is always responsive. So grateful to have a broker that really is working for my best interest!!
Ian Bell
Ian Bell
18:03 03 Apr 18
Kat and the rest of the MFE team are amazing. Great communication and quick to find the best possible coverage.
Nick Scully
Nick Scully
20:20 29 Nov 18
John Hart was my broker for my first project requiring insurance, and he was incredibly helpful, professional, and patient with a first-timer. Highly recommend MFE and John's services!
Aaron Brown
Aaron Brown
16:25 13 Sep 17
I've been working with Alec and his team for years. They provide our production insurance and throughout the entire process, including a handful of claims, I've always felt informed, supported, and taken care of. Can't recommend MFE enough - these guys are the ones you want in your corner. They know the best insurance policies and will help manage any claims that arise.
Kate Ryan
Kate Ryan
16:50 08 Mar 19
MFE Insurance saved my business money and offered better coverage. We've worked together over the last several years, and have recommended MFE to family and friends. Alec Roberts and his team are always available to answer our questions or requests, and everything is done in a timely manner. We can't say enough about how well we are treated!
Alexander Baker
Alexander Baker
02:17 26 Sep 20
We were looking for last minute equipment insurance for a film shoot and MFE couldn't have been more helpful. John Hart was fantastic and made sure we got our coverage in time! I could not recommend this company more.
Kyle McKee
Kyle McKee
16:28 01 Mar 22
Been a customer for almost a year. Quick and easy to set up and was able to get a much cheaper price than my "good neighbor" insurance.
Cody Michler
Cody Michler
17:26 07 Jun 22
Peter was great! I did have to cancel temporarily but due to pivoting my business in a different direction. If you have niche and need coverage reach out to them! Its hard to find insurance for specific niches but they got it working for me while I was doing more onsite work!
Next Reviews Write a review
powered by Google

© 2023 MFE Insurance Broker · Powered by 321 Web Marketing · All Rights Reserved · Website Privacy Policy & Terms of Use