Coverage Options
Movie Theater Insurance
Every policy a movie theater needs — in one place, from specialists who know the business.
General Liability Insurance
General liability is the cornerstone of cinema insurance. It protects you against third-party bodily injury and property damage claims from the hundreds or thousands of patrons who move through your dark auditoriums, lobbies, and stairways every week.
Commercial Property Insurance
Commercial property insurance covers the physical assets that make your theater run — the building, screens, sound systems, seating, concession kitchen, and signage — against fire, water damage, vandalism, theft, and severe weather.
Business Interruption Insurance
Business interruption (business income) insurance replaces the revenue you lose when a covered event shuts your theater down. For a business with high fixed costs and blockbuster-dependent revenue, it can be the difference between reopening and closing for good.
Liquor Liability Insurance
If your theater serves alcohol, liquor liability (dram shop) insurance is non-negotiable. It protects you when an intoxicated patron you served later causes injury or damage — a claim your general liability policy specifically excludes.
Equipment Breakdown Insurance
Equipment breakdown insurance covers the sudden, accidental failure of the systems your theater depends on — digital projectors, sound, HVAC, and concession equipment — including the lost income and spoiled food that follow.
Workers Compensation Insurance
Workers comp is mandatory in nearly every state once you hire employees. It pays medical costs and lost wages when a member of your theater staff — usher, concession worker, projectionist, or manager — is injured on the job.
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits when a serious claim exceeds your primary coverage. For high-traffic theaters and dine-in operations with alcohol exposure, an umbrella provides essential catastrophic protection.
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