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Insurance Coverages
Protect your business
Insurance for bars, restaurants, taverns, and night clubs requires coverages that will protect and shield your business from risks and liabilities. When written incorrectly, there can be important coverages missing and possibly major exclusions, leaving your business and personal finances vulnerable.
Most important, is adequate Liquor Liability along with sufficient Assault and Battery limits. Having incorrect coverages can leave you personally responsible for any claim(s) that occur.
Read on to learn more about specific coverages available.
Liquor Liability
General Liability
General Liability
Liquor Liability is a complex coverage and there are numerous variables that are considered when pricing and structuring a policy. Liquor Liability laws differ by every state -from the most strict in liability (Alabama) to very little liability (Nevada). There is also a wide range of venue types – from restaurants to nightclubs to concer
Liquor Liability is a complex coverage and there are numerous variables that are considered when pricing and structuring a policy. Liquor Liability laws differ by every state -from the most strict in liability (Alabama) to very little liability (Nevada). There is also a wide range of venue types – from restaurants to nightclubs to concerts. Each have specific risk characteristics that need to be addressed. to meet them.
General Liability
General Liability
General Liability
General Liability Insurance helps cover the costs of liability claims made against your business for third party personal injury, third party property damage and advertising injury. For example, if a customer slips and falls at your place of business, they could make a claim against your company. Did you know that the average cost of a s
General Liability Insurance helps cover the costs of liability claims made against your business for third party personal injury, third party property damage and advertising injury. For example, if a customer slips and falls at your place of business, they could make a claim against your company. Did you know that the average cost of a slip and fall claim is $20,000? Without General Liability Insurance your company may have to pay all the costs related to settling such a claim from your own business and personal assets.
Assault & Battery
General Liability
Assault & Battery
Assault and battery is one of the most important coverages for any business in the nightlife industry. Almost 30% of all claims for bars and taverns are classified as assault or battery.
Employment Practices
Employment Practices
Employment Practices
As we have become a more litigious society, employees, and former employees have discovered that lawsuits are a great defense for getting fired. As statistics become available, we are learning that a large portion of employment practices lawsuits are without merit, and knowing this, employers in the hospitality industry are at risk and should protect themselves. to meet them.
Property Coverage
Employment Practices
Employment Practices
Although the main risk in owning a bar or tavern is the liability, having the correct property coverages in case of a claim, can be just as important. Property coverage pays losses as a result of physical damage to property you own. Not having the proper coverages can bankrupt a business.
Umbrella Liability
Employment Practices
Umbrella Liability
So just what is umbrella insurance? Think of it as “total protection” insurance, as it can provide that extra coverage to underlying general liability, liquor liability, auto liability and/or worker’s compensation policies. Typically, umbrella insurance is purchased in increments of $1 million, though it’s worth noting that in order to p
So just what is umbrella insurance? Think of it as “total protection” insurance, as it can provide that extra coverage to underlying general liability, liquor liability, auto liability and/or worker’s compensation policies. Typically, umbrella insurance is purchased in increments of $1 million, though it’s worth noting that in order to purchase umbrella policies, most insurance firms require minimum amounts of general liability, liquor liability, auto liability and/or worker’s comp policies to qualify.