Social club insurance is essential. Social clubs are a place where members can meet each other and enjoy leisure activities. Some of these activities include book discussion clubs, charity clubs, chess clubs, gaming clubs and gentlemen’s clubs. Most social clubs will hold many important events such as weddings, christenings, charity events, birthdays and in the unfortunate event, wakes.
Almost all social clubs have a truly amazing history behind them, with some being over 100 years old.
Workings men’s clubs is a type of social club which was first created in the 19th century. A club would typically have a room referred to as a vault with a snooker / pool table, televisions for sports entertainment, and also a bar serving alcoholic beverages and sometimes provide food. There would also be a larger room in the club which is used for entertainment such as concerts, gigs or events. In this room there is typically a stage, many tables and chairs including sofas, and also a bar providing alcoholic beverages and food. These larger rooms would mainly be used for live music cabaret and comedy acts and also used for bingo and raffles and many private events held at the club.
How we can help
When running a Social Club, there is a lot to take into consideration. Meaning comprehensive insurance is essential to safeguard against everyday risks.
Finding cover that is tailored to your needs can be time consuming and challenging, and the day to day commitments of running a social club often leaves little time for much else, which is why we do all the hard work for you.
We Insure Small Business make arranging your social clubs insurance simple and hassle free. We can save you time by searching over 15 different providers for all types of members clubs including political clubs, Irish clubs, working men’s clubs, Royal British Legions and any other general community social clubs. We deal with many insurance companies and can search the market to customise your insurance depending on the needs you have and thereby save you precious time.
Our Social Club insurance specialists are here to talk you through your options and will make arranging your social club insurance simple and straightforward.
Whilst Social clubs operate for the benefit of its members, protecting their safety as well as the physical property of the club will ensure peace of mind and longevity of your club as a whole.
Covers included in social club insurance
Covers that can be included within your social club insurance range from
- buildings,
- contents,
- stock,
- to liability cover to protect you for injuries to your staff and visitors.
Ensuring you have the right cover in place can protect your livelihood against unforeseen events that could have significant financial implications and potentially jeopardise the future of your club.
Protecting your assets is essential, whether you rent or own the building. You can also ensure you have protection against break-ins, whether events and many other unexpected incidents.
Business interruption cover; can protect your gross profit or revenue and fixed business expenses if you are unable to open due to suffering damage at your premises, So if you suffer property damage as the result of a flood or storm, this will cover you financially while you get back up and running.
Public liability insurance ; is also an essential cover to have should your customers and guests suffer an injury while they are visiting your premises. For example, if someone were to slip on a wet floor sustaining an injury, they may be entitled to compensation. Public liability insurance can cover you financially in these circumstances. This cover can range from £1 million up to £10 million.
If you have employees, you are required by law to have employers’ liability insurance to protect your staff while they are working, including any volunteers. We can provide cover for this up to £10,000,000.
If an employee or committee member were to fall down some stairs and break a limb, employers’ liability would cover medical and legal costs as well as compensation, if you were found liable. Accidents can happen, and compensation awarded for injuries can be costly.
Cover for money, personal accident, legal expenses, goods in transit are also covers available to tailor to your individual needs plus many more. You can request the covers that are relevant to your activities which mean you only pay for the protection you need.
Loss of license; can also be included in your social club insurance. As well as liability in respect of injury or damage arising from any events you hold at your social club.
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