It’s not only filling the seats and popping the popcorn that movie theater owners have to worry about. While your customers kick back and enjoy the newest flicks, your livelihood is fraught with serious risks that could cost you a ton and even put you out of business.
With the right movie theater insurance, you can put your mind at ease and focus on what’s important. Your business insurance can help you recover from simple claims for slips and falls, and from complete devastation caused by fire or severe weather.
Whether you own a classic single screen cinema or a chain of movie theaters, an independent agent can help you find tailored coverage that protects your assets.
It’s simple: movie theater insurance helps you avoid financial ruin from unexpected events. Consider all of the things that could go wrong (and result in serious repair costs, loss of income, or a lawsuit) on a single Saturday night:
Movie theater insurance should cover the unique risks you face in the theater business. This includes physical damage to your building or property, as well as your responsibility to financially compensate any customers or members of the public who get injured on your property.
With a few commercial insurance policies tailored to your needs, you can get the peace of mind you need to focus on the important stuff—like selling more tickets and keeping the popcorn fresh.
Working closely with an independent insurance agent, you can determine exactly what risks you have and find tailored insurance policies to address them. You may need:
If you operate a small to midsize movie theater company, you may be able to bundle your basic property and liability coverage together into a packaged policy (business owners policy, or BOP) designed for small business owners.
You might also want to consider endorsements to your basic movie theater insurance policies or standalone policies that provide the following types of coverage:
The cost of movie theater insurance depends on several factors, including the size of your business and the types of policies you need to cover your unique risks. With so many variables (e.g., number of employees, number of screens, types of food and beverages served, location and size of your building, etc.) your costs may vary significantly from other theater owners.
An independent agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Our agents simplify the search process for finding the right movie theater insurance. They’ll walk you through some handpicked policy options and explain the details and options.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Online quotes can be tempting. They are fast and easy to get—but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can leave out important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.