Social Club & Lounges Insurance
Bars & Taverns Insurance Coverage
Gentlemens & Ladies Club Insurance Coverage
Liquor Liability Insurance Coverage
Nightclub & Event Insurance Coverage
Bars / Taverns / Nightclubs / Restaurants, Insurance Coverage
Running a bar, restaurant, tavern takes more than having a good selection of liquor, good food and special service.
Business insurance policies typically only cover liability and property damage. This can leave your company exposed to lawsuits stemming from incidents falling outside the scope of a general business liability policy. To protect your business in a more comprehensive way you can supplement your existing liability insurance with individual policies designed to cover different types of situations. This allows you to purchase the various needed coverages your company needs for maximum protection.
Bars Taverns, and Nightclubs insurance coverage, offers you comprehensive coverage for your Bar, Tavern and Nightclub, when offering alcoholic beverages, and hosting live venues,because there forms of coverage that’s not found in your standard business insurance coverage policies.
Bars, Taverns and Nightclubs are unique and shouldn’t be insured like other businesses, we understand the importance of the entertainment industry business owner’s insurance coverage needs, Insurance Corner can provide needed coverages that keeps your business operating daily uninterrupted.
Features of our preferred Bar Tavern & Nightclub insurance package program provides many forms of coverage.
- Building Structure, Business Personal Property & inventory
- Business Interruption
- Food spoilage or Contamination
- Outdoor Signs
- Mechanical breakdown coverage
- Fine Arts
- Employee dishonesty and crime coverage
- Coverage for computer equipment media
- Primary General Liability Coverage
- Liquor Liability – available
- Assault & Battery coverage – optional
- All Package insurance program are not available in all states.
Things Not covered by a business Insurance Policy. Don’t Roll the Dice on Liquor Liability Coverage, new laws and regulation have a high cost for being uninsured.
Liquor Liability Insurance covers establishments that sell any type of alcohol for on premises or off premises consumption. This includes establishments that only sell beer and wine. If you have any type of alcohol sales, you have a liquor liability exposure.Assault & Battery can also be included as part of the liquor liability coverage.
The most common type of liability claims stems from the over-service of alcohol to patrons who then get behind the wheel.
Sample insurance related claims scenario.
What is Dram Shop Laws?
Thirty states have dram shop laws which hold licensed establishments liable for the selling and serving of alcohol to individuals who suffer injury or death, or who cause injury or death of others as a result of their intoxication. These laws also commonly impose lower thresholds of liability for the selling or serving of alcohol to minors.
Type of Organization: Family Style Restaurant
Description of Event: While eating at a seafood restaurant, a customer suffers cuts to her throat and mouth when she chokes on shell that had not been properly removed.
Resolution: Both the restaurant and the vendor supplying the crab were ordered to pay over $37,000 for medical bills and mental anguish.
Type of Organization: Bar& Nightclub
Description of Event: Two patrons of a bar began arguing while inside. The disagreement quickly escalated with the patrons "settling their differences" in the parking lot. One of the customers received a broken arm and a broken jaw from the fight. He sued the bar for "failure to provide adequate security."
Resolution: The bar was forced to pay over $116,000 for the injuries sustained from the fight.
Type of Organization: Fine-dining Restaurant
Description of Event: During a wine tasting held in a vintner's underground storage caverns, a customer slipped and fell. He sustained substantial injuries to his head and required several operations. .
Resolution: Claim was settled for $385,000.
Coverage: Property / Business Income
Cause of Action: Breach of Contract
Type of Organization: Restaurant
Description of Event: A restaurant’s key supplier had a fire at its facility. As a result, the restaurant was forced to shut down for 3 days before an alternate supplier could bring the necessary items resulting in a large amount of lost income.
Resolution: $117,000 was paid in lost income to the restaurant.
It didn’t happen in my establishment.
Claims can also result from intoxicated patrons operating boats or snowmobiles after leaving the serving establishment, and it's not uncommon for an establishment to be named with other establishments in a lawsuit, even when the patron admits to having only one drink at an insured's bar.
Nightclubs
A lighted exit signs malfunctioning or an exit door being blocked or locked to prevent patrons from entering the bar is common. This risk shouldn't be underestimated. If there was ever a fire in a nightclub and patrons were unable to exit, the claims for bodily injuries and property damage might easily exceed the aggregate limits of a standard $2-million-dollar policy.
This risk is easily avoided by proper maintenance of the bar and nightclub premises and awareness of this potential for risk.