Running a nightclub comes with a set of challenges that are unique to that line of business. No matter what level of clientele you cater to, customers expect you to take the steps necessary so that they can enjoy their time. Nightclubs have operating risks that are typical of most businesses, including general liability and property damage; however, there are specific issues related to liquor service and hospitality that need to be covered with the proper policies. What type of nightclub insurance do you have and is it enough?
Understanding Nightclub Insurance Coverages
In order to have a successful nightclub, you need to be able to provide the amenities that customers expect of your business, including liquor service, food service, entertainment, dance floors, valet parking and more. As a club owner, a lawsuit for damages not covered by a policy can take out your business. It’s essential that you have insurance products to cover the major areas of concern for nightclub operations:
- General liability
- Liquor liability
- Products and Operations
- Assault and battery
- Excess liability
Choosing the Right Insurer
Having the right amenities for success requires you to have the proper paperwork completed and filed. It’s best to go with an insurance provider that not only provides the specific coverage you need, but also helps you with your submissions, providing full service that benefits the needs of your business and your customers.