Why do I need Social Club Insurance?
A social club is defined as a place where a group of people or their meeting place is formed around a common occupation or activity. They can range from sports clubs, working men's clubs or snooker clubs for instance. Whatever type of club it is, it will need insurance. It is the responsibility of the owner or owners of the social club to ensure that everything is correctly insured.
Your social club may have people that are interested in different activities such as hunting, fishing or charity work, the list is endless. Depending on the amount of people, if food and alcohol is usually served, and the kind of social club it is, the potential for an accident or an injury remains. If something untoward does happen on your premises resulting from any negligence on your part, then you can be sued. This would be detrimental to you and your business especially if you are not insured correctly. The result could be financial ruin and a closure of your social club.
The easiest way to insure a social club is online. A reputable insurance broker can provide you with the necessary policies that will cover every eventuality. They are committed in helping you find adequate insurance cover to safeguard the future of your club. Quotes can be given and compared so that you pay the lowest premiums possible. Insurance policies can be organised to suit your club's requirements. It may be one insurance policy that provides adequate cover, or several types of insurance that will protect your specific needs.
Contacting an insurance broker is the best way forward in insuring your social club. They have the wholesale buying power to negotiate a favourable monthly premium for you to pay. They may not restrict you to one insurer and indeed this is one of the reasons why their insurance costs are kept low. Payment can be made in monthly instalments, spreading the cost of the club's insurance throughout the entire year. You can often ask for a no-obligation insurance quote which you could compare to your existing insurance policy.
Insurances obviously differ, however, the most common types used to insure a social club are Employers Liability, Public and Products Liability. Employers Liability is legally required and protects your responsibility for injury or death to employees, whereas Public and Products Liability protect your property or personal injury to the general public. There are other extensions of liability cover including loss of licence, glass breakages, deterioration of stock or damage to disco and computer equipment.
Insurance policies for social clubs can be discussed in detail. The quality and pricing are very important, as is the customer service. This is where insurance brokers are suitably placed to offer the best in insurance products along with a variety of quotations, and customer care.
To obtain a quote, complete an online proposal form to get started.