Program Overview
In today's highly volatile bar & nightclub envorinment, it's important to create
competetive advantages and make every dollar count. That's especially true when
it comes to selecting your business insurance. Bars, taverns and nightclubs are
unique and require specific types of insurance including liquor liability insurance, employee
dishonesty, theft and business interruption. In order to meet these specific needs,
we have created a special Bar, Tavern & Nightclub insurance package.
To learn how you can benefit from our distinctive program, please
contact our office just outside of Cincinnati, OH. You can also fill
out our very brief
online request for more information.
An initial review only takes 15 - 20 minutes and doesn't cost you a nickle. We're
confident this small investment of your time will be one of the best you and your
business will ever make.
We Offer the Insurance Your Bar or Nightclub Needs
Property Insurance
Your Bar, Tavern or Nightclub may not possess all the following types of property,
but these are a few of the standard coverages offered in our program:
- Buildings and other structures (owned or leased)
- Furniture, equipment and supplies
- Personal Property & Inventory
- Improvements and betterments you made to the premises
- Computers and Point of Sale Machines
- Mechanical breakdown coverage
- Fine arts
- Employee dishonesty and crime coverage
Liquor Liability Insurance
Dram shop liability or liquor liability as some call it involves giving or serving
alcohol to a person who then injures a third party as a direct result of the impairment
from the alcohol.
The term "dram" is an American spelling that historically means a weight, or a small
unit of liquid in which alcohol is sold. (In the 1700's, English taverns sold gin
by the spoonful and this was called a dram).
Click here for more information on dram shops and dram shop statutes.
Because the dram shop liability laws vary so wide from state-to-state it is important
to thoroughly evaluate bar or nightclub liquor liability insurance needs. We work with our clients to make sure they have adaquate liquor liability coverage to mitigate
risks imposed by local statutes.
Other
Among the other applicable coverages are
General Liability Insurance,
Automobile,
Boiler & Machinery,
Employee Benefit Liability,
Garage Keepers (for
Valet Parking),
Hired and Nonownership Auto Liability and
Workers Compensation.
For information about these and other coverages please feel free to contact one
of our specialists at
(800) 783-5105.