Movie Theater Insurance

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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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