BAR 

The most important fundamental coverage available to any insured is Liability. Bar liability insurance provides coverage that protects against, bodily injury, property damage or personal injury claims made by someone else. What about all the other hazardous elements of your operation? There are many different things that your general liability insurance will protect you from, and each policy is different so it is very important that you have the right bar liability coverage. Most likely you serve alcoholic beverages, perhaps provide delivery service, or utilize bouncers. You should look into the following coverages. 

LOUNGE

GENERAL LIABILITY: General Liability insurance provides coverage that protects against bodily injury, property damage or personal injury claims made by someone else. Some things that general liability protects you from are:

• Injuries sustained by patrons while at your establishment.
• Injuries that occur off premises due to your services
• Property damage caused by you or your employees
• Contractual issues
• Advertising
• Problems with your products

CLUBS

There are other more specific exposures that are not covered by general bar liability coverage. General Liability provides coverage only for particular instances. Look into the additional coverages below that can be purchased to ensure you are correctly insured for all the services you provide.

LIQUOR LIABILITY: Liquor Liability coverage is for bodily injury or property damage caused by an intoxicated person who was served liquor by the establishment. 

ASSAULT & BATTERY: Assault & Battery Coverage for third party liability claims arising out of any assault or battery. Coverage is patron to patron or employee to patron. Assault & Battery is a very important coverage to have at a bar, nightclub, pub, lounge, or anywhere in the event of a fight.

TAVERNS

HIRED/NON-OWNED VEHICLE LIABILITY: Hired/Non-Owned Vehicle Liability coverage provides contingent excess liability for Hired (rented) vehicles and Non-Owned vehicles (vehicles owned by employees and driven for company business.) Hired/Non-Owned Vehicle Liability limits are the same as the General Liability policy. Hired & Non-owned coverage is essential for risks that have a delivery service as you can be held responsible for accidents that your employees get into.

 FOOD CONTAMINATION: "Food contamination" coverage protects you in the event of a patron getting or suspecting that they got food poisoning from food supplied by you. Check your current policy to see if you are covered for Food Contamination risks. Food contamination is one of the restaurant industries greatest areas of risk.

AUTO/VALET LIABILITY: Night clubs, bars and lounges have very specific auto related exposures. Whether you hire a valet service, provide your own or have a delivery service - these are important factors to consider when reviewing your insurance. Make sure you protect yourself from the potential problems that come along with auto liability. Provide your Valet service coverage with Auto/Valet Liability to insure the brief time you will be utilizing customers' cars.

PUBS

BUSINESS INCOME / BUSINESS INTERUPTION: This insurance protects a business owner against losses resulting from an interruption to carry on business after a fire or other insured loss. An example would be profits that would have been earned had no interruption occurred.

WORKERS COMPENSATION

This insurance provides coverage in the event an employee is injured during the course of his employment. An injured employee is entitled to payment of medical claims, lost wages and a settlement if warranteed 

PROPERTY / CONTENTS / BUSINESS PERSONAL PROPERTY: The business will need Property Insurance to protect the building and contents. Often the most affordable way for a bar owner to secure this insurance is as a part of a business owner's policy. There are also insurers who offer specialized products that are similar to the business owner policy, but are specially tailored to bar owners.

SPORTS BARS

These policies will have state specific features, but are generally similar to a standard business owner's policy. Because bars often have a large amount of glass, make sure the policy covers glass breakage. The primary consideration will be whether to obtain replacement cost or actual cash value property insurance. Actual cash value coverage deducts depreciation from any claim. While replacement cost insurance provides the current value of the replacement of damaged property. Replacement cost coverage is more expensive. In reality, most bars cannot return to operation if they do not have replacement cost coverage. Opt for replacement cost coverage. Further, make sure your policy will pay for necessary upgrades caused by new building code compliance.Consider having unique bar décor (the moose head, license plate collection, etcetera) evaluated and separately scheduled to avoid disputes over the cost of replacement.

TIKI BARS

Do not assume your standard property policy will cover such items. Most property policies exclude glass breakage, signage, and landscaping. You will need separate coverage for these items if they are necessary or you will need to look into bar owners’ policies that include such coverage. Finally, if your business is in an area subject to natural disasters, remember that flooding, some wind, earthquakes, wild fires, and some other risks may need a separate endorsement to be covered and the premiums will be much higher.

GENTLEMAN / ADULT CLUBS

Being in the SERVICE and HOSPITALITY business is different than many other businesses, and we understand those differences. We specialize in helping (with or without food) Bars, Lounges, Night Clubs, Taverns, Pubs,Tiki and Gentlemen Clubs with their insurance and with their risk management. Our specialists are able to tailor make insurance and have risk management solutions for our clients to meet their specific needs. Call SunSave Insurance now for a Free Quote at 954-Sun-Save (954-786-7283) or just click Quote now.

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