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Cinema Insurance
Cinema insurance is designed for cinemas, independent film venues, screening rooms, boutique picture houses, multi-screen operators and community cinema businesses where audience safety, property, equipment, staff and interruption risk need joined-up cover.
The right policy should reflect venue capacity, opening hours, food and drink service, licensed bar activity, projection equipment, ticketing systems, events, private hire, security, accessibility and whether the venue owns or leases the building.
What Can Cinema Insurance Cover?
- Public liability insurance for audience injury and third-party property damage claims
- Employers' liability insurance for staff, projection teams, ushers, cleaners and supervised workers
- Buildings, contents, seating, screens, fixtures, fittings and projection equipment
- Stock, refreshments, bar stock, business interruption, money and glass cover where required
- Cyber, legal expenses, management liability and event cancellation support depending on the venue
Typical Cinema Risks
- Customer slips, trips, stair incidents, low-light areas, queues and crowd movement
- Fire, flood, escape of water or electrical damage affecting screens, seating or projection rooms
- Projection, sound, ticketing, booking or payment system failure interrupting screenings
- Food, drink, allergen, licensed bar and late-night venue exposure
- Private hire, film festivals, live broadcasts, special events and third-party contractors
Related Hospitality Cover
Cinema operators may also need to compare hospitality insurance, venue insurance, theatre insurance, licensed premises insurance and event organiser insurance.