CINEMAS Combined Employer’s Liability & Public Liability Policy Including Building, Contents & Business Interruption Cover 👉 Est. Cost: €2,930–€3,230 Down Payment Required €295

🎬 Insurance Summary – Cinema Venue

1) Fire & Special Perils / Business Interruption

Premium: EUR 2,020 (including fees)
Memo: ✳️ Waiver of Subrogation included

📦 SECTION 1: Contents – EUR 825,000 @ €905

 Equipment Breakdown

🔶 Sound Equipment: €275,000
🔶 Vision Equipment (Screens & Projectors): €385,000
🔶 Concession Equipment: €44,000
🔶 Seating: €110,000
🔶 Other Furniture: €11,000

🏢 SECTION 2: Buildings – EUR 660,000 @ €775

Building Improvements incl. Lighting: €330,000 / Mechanical Installation: €330,000

💼 SECTION 10: Business Interruption – EUR 329,000 @ €317

Gross Profit: €250,000 / Auditor Fees: €10,000 / Wages: €69,000

Memo: Extended Cover for Short Circuit

✅ Covers physical damage to electrical/electronic equipment caused by short circuit.

Deductible: 5% of sum insured of damaged item OR €1,000 (whichever is greater) / Limit per claim/year: €10,000 / ❗ Not applicable if covered under another section of the policy / 📌 Subject to all other Terms, Exceptions & Conditions of the policy

2) Employers' Liability Insurance (Legal Mandatory Limits)

Premium: EUR 405 (including fees)
Memo: ✳️ Waiver of Subrogation included

1 Manager – Annual Gross Salary: €25,000
15 Cinema Staff (Various Duties) – Annual Gross Salary: €145,000

3) Public Liability

Premium: EUR 505 (including fees)
Memo: ✳️ Waiver of Subrogation included

Limit of Indemnity

🔹 Per event: €250,000
🔹 Per policy period: €500,000

🔹 Excess per loss: €500