Social Club Insurance for the Clubhouse

This covers the club premises and what is in them. It can include the building contents, the bar stock, the takings and liability to members and visitors on site. Employers' liability is not one of the sections, so a club with staff needs that arranged separately.
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Social Club Cover Explained

  • For social clubs and members clubs in Great Britain, where the trade is on the accepted list.

  • Employers' liability is not one of the sections here. A club with staff must arrange that separately.

  • Nor is any officers' or committee liability for the people who run the club.

  • Only the sections shown as selected in your Policy Schedule apply, subject to terms and limits.

Business Insurance for Social Clubs: What Cover Can Include

The Lukango business insurance product can include property damage, public and products liability, business interruption following insured damage, money and assault and goods in transit. For a club that means the premises and the fixtures, the furniture and equipment, the stock behind the bar, the takings on the premises and the trade lost if the club cannot open. Each section is subject to eligibility, terms, exclusions, excesses and limits.

Clubhouse
Contents
Bar stock
Members
Money

Property damage

May cover insured damage to buildings, contents and stock at the named club premises.

Public and products liability

Can help with certain third-party injury or damage claims arising at the club.

Business interruption

May cover income lost following insured damage that stops the club opening.

Money and assault

Can include theft, attempted theft or robbery of club money, plus defined assault benefits.

Goods in transit

May cover eligible club property while in transit within Great Britain, including loading and unloading.

Property extensions

May include fixed glass and signage at the club, within the limits in the wording.

Choosing the Right Social Club Insurance Cover

The first thing to settle with social club insurance is whether the club employs anyone, because employers’ liability is not one of the sections in this product and a club with staff is required to hold it. Once that is arranged elsewhere, what remains is the part this is built for: the building and its contents, the stock behind the bar, the money on the premises and liability to the people who come through the door. Read the IPID, Policy Schedule and full wording.

Employers' liability is not here

The first thing to settle

If the club has bar staff or stewards on the payroll, employers' liability has to be arranged separately. It is not one of the sections in this product, and it is a legal requirement.

Nor is committee liability

For the people who run the club

Officers, trustees and committee members are not covered for claims about how they run the club. That is a separate policy and worth having if your committee makes real decisions.

The bar stock is a real number

And it moves through the year

Stock behind a bar is easy to under-insure, especially around Christmas and through a busy events season. Set the figure against what is actually held, not a quiet-week average.

Members and visitors on site

Public liability, not treatment or events cover

Public liability can respond to certain claims from people injured at the club. Anything specific to entertainment, hired-in events or licensed activity should be raised at the quote stage.

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An empty social club function room with round tables, chairs, a dartboard and a small stage

Members Club Insurance: The Building, the Bar and the Takings

Social club insurance under this product is cover for the clubhouse and what is inside it. Property damage can include buildings, contents and stock at the premises named in your Schedule, where the section is selected and the loss is caused by an insured peril. That is the furniture, the fittings, the equipment and the stock behind the bar. Public liability can respond to injury or damage to a third party at the club, such as a member slipping in the function room. The Policy Schedule confirms which sections apply, the sums insured, excesses and sub-limits.

The empty lounge of a social club with seating, low tables and a snooker table to one side

Why Find Club Insurance Through Insureworks?

Insureworks is here to make finding insurance simple and transparent, and for a club that means being straight about one thing first. This product does not include employers’ liability, and a club with anyone on the payroll is required to hold it, so that has to be arranged elsewhere. What this does cover is the clubhouse itself: the building contents, the bar stock, the takings and liability to people on site. This page is information only and is not personal advice. Insureworks is not the insurer and does not underwrite or pay claims.

How Social Club Cover Works

  • Settle employers' liability first if the club employs anyone, because it is not one of the sections in this product.
  • Review the IPID, Policy Schedule and policy wording to understand the selected cover, its limits, excesses, conditions and exclusions.
  • Provide complete and accurate information when arranging, renewing or changing the policy, including your activities and any material changes.
  • Notify a claim as soon as possible, provide requested evidence and report theft, malicious damage or criminal acts to the police.

Social Club Insurance FAQs

Four questions we are asked most often about insuring a social club.

No. Employers’ liability is not one of the sections in this product. A club that employs anyone, including part-time bar staff or a steward, is required to hold employers’ liability and will need it arranged separately. What this product covers is the club premises and contents, the stock, the money and liability to members and visitors on site.

That is officers’ or trustees’ liability and it is not part of this product either. Claims about how a club is run, rather than something that happened at the premises, need a separate policy. It is worth naming because committee members often assume a club policy covers them personally and the six sections here do not.

Stock held at the club can be included under the property damage section where that section is selected, subject to the sum insured and any limits. Cover responds to insured perils rather than every cause of loss. Bar stock rises sharply around busy periods, so the sum insured should reflect what is actually held rather than a quiet week.

It is a question to raise at the quote stage rather than assume either way. Public liability can respond to certain third-party claims at the club, but anything specific to hired-in entertainment, external event organisers or licensed activity depends on the terms that apply to your policy. Get it confirmed in writing rather than relying on a general page.

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