You know how to draw in the crowds and serve up a good time for your clientele. However, insuring a nightclub or bar is not the same as insuring any other business. Your establishment should consider coverage that takes into consideration the unique risks that your business faces.
A liquor liability insurance policy is a must-have for any place of business where alcohol is consumed, especially nightclubs and bars. If someone who has been drinking in your nightclub or bar causes property damage or injures someone, you could be held liable. Even if unfounded, these claims can be costly to defend. With a liquor liability policy, you may be covered for lawsuits and legal fees associated with these types of liability claims.
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 commercial property coverage, as well as business income coverage if your business needs to close temporarily or the building itself becomes 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. Here are some coverage options you might want to consider if you own a nightclub or bar:
Running a nightclub or bar isn’t all fun and games, at the end of the day it’s a business. That’s why you need to consider general business insurance solutions such as workers’ compensation, general liability, cyber liability, and employment practice liability insurance to help safeguard the future of your business.
Learn more about how nightclub and bar insurance may benefit your day-to-day operations. Contact us to go over your coverage options and the unique needs of your business.