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Door supervisor insurance

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What's on this page

Why is doorman insurance important?

Our policies provide more than just public liability insurance. Third party injuries and property damage are a big part of your risk profile, but what about employees you’ve hired and equipment theft? Door supervisor insurance can cover all of these risks, plus other considerations, depending on your business.

  • bouncer and door supervisor insurance with a 24/7 claims helpline
  • public liability insurance between £1 million and £5 million
  • optional personal accident cover for your own injuries, or anyone you’ve covered
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Insurance for door supervisors – what’s covered?

For bouncers and door supervisors, the priority is usually public liability insurance, built to cover against third party injuries and property damage. From there, companies often choose to add cover for their equipment. And if you do employ anyone, don’t forget employers’ liability cover – it’s usually required by law.

Public liability insurance for bouncers

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your bouncer work
  • an injury or illness caused by your business activities
  • accidental damage or injuries caused by your employees

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

  • you drop a heavy piece of equipment on a client’s foot while unloading for the day, causing a complex fracture
  • while on duty you knock an expensive piece of artwork onto the floor in the client’s reception area, and need to pay replacement costs

What you’ll need additional cover for

  • your own failure to prevent a break-in, or to protect the property you’re contracted to

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees gets bitten by a security dog in training, and brings a claim against you
  • your office manager shuts her hand in the door while locking up for the day, breaking a finger and causing nerve damage

Business and office equipment insurance

In case things like laptops or office filing cabinets are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

  • theft of the equipment you use to operate, rather than portable trade tools
  • loss of your equipment
  • flood, fire or accidental damage

For example:

  • you stop at a drive-thru for lunch and someone steals your phone from the car’s passenger seat
  • a leak in your client’s office damages equipment you’ve stored over the weekend, including a laptop and work phone

Read more about business and office equipment insurance

Legal expenses insurance

In case you’re faced with legal costs from running your business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes, and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation as a trusted door supervisor

For example:

  • you need to pay costs incurred through a tax investigation, including fees for legal support
  • one of your clients is ignoring an invoice and won’t take your calls – you decide to take them to court and need to pay associated costs

Read more about legal expenses insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does bouncer insurance insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.77 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example door supervisor insurance quotes, real prices

£40.70 /month

£361.79 /year

A self-employed bouncer who works for retailers during the day

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Bradford

Public liability

£1,000,000


Employers’ liability

Not included


Contents & business equipment

Not included

£101.47 /month

£901.99 /year

A small security company who specialise in pub and club supervision

  • 5+ years' experience
  • Limited company
  • 3 employees

Public liability

£2,000,000


Employers' liability

£10,000,000


Contents & business equipment

£7,500

How we work out example quotes These examples are real quotes from our online system (created 16/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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    Get your documents the same day

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We handle claims, so you can get on with business

How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does door supervisor insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider security guard insurance or alarm installer insurance?

Do I need cover for other types of work?

If you provide these services alongside door supervisor work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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0333 043 8527
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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having door supervisor insurance through Simply Business has saved bouncers thousands of pounds when the unexpected happened.

Rick saved more than £5,500

Rick (not his real name) received a claim from a former employee for a back injury sustained during a shift at a local bar. The employers’ liability insurance included in Rick’s doorman insurance policy covered the accidental injury claim costs, and his legal expenses cover provided support across some negative local press attention.

Insurance payout

£5,587.00

Covering the cost of accidental injury


Rick’s costs

£100

The excess amount stated in Rick’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Doorman insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about bouncers insurance. You can also check out our business insurance FAQs.

  • Public liability insurance is a popular cover for the security industry, as it can protect you from a claim if someone is injured or their property gets damaged because of your work. Lots of door supervision professionals also choose to add business equipment cover for the essential kit they rely on.

    In terms of legal requirements, you’ll usually need employers’ liability insurance if you employ anyone – for example a temp you hire during the busy Christmas season or another bouncer to share the load with. It’s almost always a legal non-negotiable, so don’t leave it out, or you could face fines of up to £2,500 a day for each employee.

  • This depends on your business, and which insurer is providing your cover. Prices start from £6.79 a month on our insurance for door supervisors – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a bouncer, you may also do the odd training or bootcamp job – you’ll need additional cover for this, but you can have it all on the one policy.

    When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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