Nightclubs and other bar businesses offer patrons local spots to unwind and hang out with good music and tasty beverages, among other comforts. As with other industries, these particular businesses are exposed to certain risks that can threaten their future and financial health. A lawsuit or claim made for uncovered damages can require these business owners to fork over large sums of money. A nightclub insurance policy can cover the typical and industry-specific risks faced by your clientele working in hospitality.
Taking a Closer Look at Your Coverage Needs
Some of the typical risks that hospitality clients face include the following:
- General Liability – Includes claims made by third parties for injuries on the premises
- Liquor Liability – Injuries or death related to alcohol served at an establishment
- Products and Completed Operations – Delayed impacts from items served at a business, such as food poisoning
- Assault and Battery – Injury and damages due to violence between staff and patrons or patron-on-patron
It’s important that hospitality businesses consider all their risks and protect themselves with the proper policies.
Taking Care of Business
It doesn’t matter where a particular business is located, especially when alcohol is involved. Nightclubs, pubs, and other businesses have responsibilities to protect employees and patrons. Their businesses should also be protected with policies that cover all their exposures.