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Nightclub and Bar Insurance

Helping you protect your business so the party can rage on.

 

Nightclub and bar insurance for your business needs.

Insuring a nightclub or bar is not the same as insuring any other business. These establishments require specialized coverage that takes into consideration the unique risks that nightclubs and bars face.

Coverage for the risks of owning a nightclub or bar.

You know how to draw in the crowds and serve up a good time for your clientele. Your insurer needs to know what coverage is necessary to help protect your business. Purchasing a customized nightclub and bar insurance package that focuses on the particular risks your business faces is essential.

The importance of liquor liability for your business.

For example, a liquor liability policy is a must-have for any place of business where alcohol is consumed. If someone who has been drinking in your nightclub or bar causes damage or injures someone, you can be held liable. Even if unfounded, these claims can be costly to defend.

 

INTERACTIVE GRAPHIC

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Help protect your business and your property.

Your property is vital to your business. If something were to happen to the building itself, you may not be able to open your business for a period of time. Consider policy options that include not only property coverage, but also your income should your business be inaccessible. And if your suppliers are unable to make deliveries that would force you to shut down temporarily, there’s a policy for that, too.

The business side of nightclubs and bars.

And since you’re running a business, you need also need workers’ compensation, general liability, cyber liability, as well as employment practice liability insurance.

To learn more about how specialized insurance can benefit your operation, contact us today.

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As an independent agency, we are here to help you find the right Nightclub and Bar Insurance coverage.

Nightclub and Bar Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Liquor Liability

Risk Factor
Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.
Solution
If you are in the business of selling or serving alcohol, it is critical that you protect yourself from potential financial losses by obtaining a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Premises Liability

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Sign Coverage

Risk Factor
Exterior signs associated with your business are vulnerable to fire, vandalism, and weather. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.
Solution
Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. If not, increase the policy limit as required.

Flood

Risk Factor

Floods can cause extensive damage to your property. Even one inch of water can lead to many thousands of dollars of damage. Water damage is considered to be the result of a flood if it comes from the overflow of a natural body of water, but it can also include heavy rain that seeps into the building.

Solution

Flood insurance is typically not included in a commercial property insurance policy, but can generally be added by endorsement as long as the property is not in a high risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high-risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.

Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place. This can be even more of a risk when spotting children, moving equipment, or demonstrating a movement.

Solution

State disability and workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Valet Parking

Risk Factor
Providing a valet service is convenient for your guests, but damaging a vehicle or property, or causing injury, is a very real risk associated with offering this service.
Solution
Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to a guest’s vehicle or other vehicles on-site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.

Workplace Violence

Risk Factor

Traditional general liability and property coverage are not designed to adequately cover workplace violence claims.

Solution

Workplace violence and crisis response policies are created to provide coverage for damages related to third-party liability, loss of business income, and other expenses related to workplace violence.

Business Income

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.