Movie Theater Insurance

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Better, Regardless of Your Size

  • Purchase movie theater insurance online to get instant coverage

  • Fast, easy motion theater online insurance application

  • Low-cost insurance with the best coverage for your theater

  • All-in-one, professional service for movie theaters

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

To protect your business equipment and property


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

PRO

Get protected against employment-related issues


Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Professional Liability, Cyber Liability, etc.

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Frequently Asked Questions

Why do Movie Theaters need insurance?

Establishments in the motion picture theater industry provide motion picture and film viewing services. Businesses include drive-ins, small and large movie theaters and stock footage film libraries. Businesses may also specialize in film distribution and may host film festivals or movie exhibitions or premiers.

Movie theaters need insurance to protect the business from the many known and unknown risks. If your business encounters risks like a fire, an employee or customer injury or a liability claim, it will cost your business a lot of out-of-pocket expenses. With insurance, these risks are covered, so any big and immediate expenses won't be a problem. The insurance will cover the expenses until it reaches its limits.

What risks do Movie Theaters face?

Below are some of the common risks movie theaters can face:

  • Your movie theater catches fire, losing profits from that day. If any of your customers were injured, you'll be responsible for their medical payments.
  • Your storage room flooded due to a burst pipe. Your film equipment broke, losing your ability to host a film that day.

How much does Movie Theater insurance cost?

There is no fixed cost of insurance for movie theaters. Each insurance carrier will have its own set of criteria to determine the cost of a policy. Without taking criteria into account, below are some average costs of insurance policies for movie theaters:

  • General Liability costs $500 in annual premiums.
  • Commercial Property insurance costs $700 in annual premiums.
  • Workers' Compensation costs $1200 in annual premiums.

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