subject: How To Purchase Club Insurance [print this page] How To Purchase Club Insurance
As the owner of a nightclub, you really do need to purchase club insurance for a number of reasons. You will need multiple policies to cover all of the different things that can happen. The first step toward purchasing your insurance is deciding what these policies will be. Once you know what you are after, you can talk to the insurance companies to see what they can do for you. It is best to take some time at the beginning to sit down and figure out what you really need so that you are not wasting your time and your money.
You will have to start by deciding between a few basic policies. You might need property insurance, for example, to protect the building and everything in it if it is damaged or destroyed. You might need liability insurance or slip and fall insurance in case someone gets hurt and wants to sue you for the medical bills that come up as a result of their injury. You will want to figure out the best plan or plans to have and then see if you can get some quotes that relate to them from the insurance company.
These club insurance quotes are the next step. You will need to contact a few different companies and ask them if you can get quotes. Do not just take the first quote that you get, assume that it represents how much you will have to pay, and do nothing else. Get a few quotes and compare them so that you can really get a good deal. Remember that you are planning to be in business for a long time, so saving even a few dollars every month can really be worth it in the end.
After you have looked at the quotes, you will want to set up a meeting with an insurance agent. This agent will be able to work with you; negotiation is much easier if you are talking to the agent face to face instead of over the phone. You will want to bring your quotes with you, the quotes from the other companies, so that you can show the agent the lowest quotes and ask him or her to match them. These are a powerful tool in the negotiation process, which is why you want to get them first.
Finally, you will just need to sign a deal with the company of your choice. This deal can last for as long or as short of a time as you want; do not worry if you quickly think you have made the wrong choice because you can change over to another club insurance plan if you are unhappy after the current yearly deal runs out.
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