Bar / Tavern / Nightclub Policy

In today's highly competitive business environment you need every advantage to succeed. That's especially true when it comes to selecting your business insurance.  Bars and nightclubs are unique and shouldn't be insured like other businesses. In order to meet these specific needs, we have created a special restaurant package that broadens and increases coverage where restaurants need it most.  Our goal is to provide more for the insurance dollar than any of our competitors.  

Our Preferred Bar, Tavern & Nightclub package program provides many forms of coverage that are not found in standard coverage forms. Additionally, the limits for many standard coverage parts have been increased substantially.

Property

	Building, Business, Personal Property & Inventory
	Business Interruption - Actual loss sustained 12 months
	Food Spoilage or Contamination
	Outdoor Signs – attached and unattached: $7,500
	Credit Card – charges uncollectible as a result of an insured loss: $2,500
	Water Backup and Overflow – from sewers, drains or sumps: $5,000
	Business Income is extended to include Power Failure. A 24-hour deductible applies.
	Mechanical breakdown coverage
	Fine Arts
	Sign Coverage
	Coverage for computer equipment media, data programs and communications equipment
	Employee dishonesty and crime coverage

General Liability

	Expanded Fire Damage Coverage – extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents.
	Tenants' Property Damage – coverage extends to premises you rent or temporarily occupy with permission of the owner.
	Garage Keepers Liability for Valet Parking
	Liberalization Clause – if the commercial general liability coverage form is broadened to provide additional coverage with no additional premium, and the effective date of the change is during your policy period, your policy will automatically provide this additional coverage on the effective date of the revision.
	Additional Insured By Written Contract, Agreement or Permit – additional insureds are automatically included if the requirement for this status is a written arrangement.
	Extended Coverage for Newly Acquired Organizations – coverage is afforded until the end of the policy period, regardless of whether this time exceeds 90 days.

Optional Coverage

	Liquor Liability – your business may be eligible for liquor liability coverage. Availability varies by state.
	Automobile
	Boiler & Machinery
	Employee Benefit Liability – provides coverage for financial losses relating to private employee benefit programs due to administrators' errors and omissions.
	Workers Compensation

What We Want:

• Neighborhood pubs and saloons. 
• Bar/Tavern/Cocktail Lounge. 
• Any risk with a dance floor if less than 400 square feet. 
• Acceptable live entertainment should be limited to piano bars, karaoke, DJ, strolling musicians, or musical performers from 1-3 pieces.
• Risks with live entertainment are limited to 3 days per week.
• Risks with less than 2 small losses in past 3 years.
• Business must be owned and operated continuously for the past three years at present location by the same insured. 
• Risks with a grilling or deep fat frying exposure as long as they have a fire suppression system with a semi-annual service agreement.
• Bouncers are acceptable in this class if they have written procedures for handling difficult patrons and training for employees.
• Seasonal restaurants/taverns – Business must be closed only 4 months and not in an isolated area. Building must be checked on a weekly basis.

Prohibited Risks

	Any risk with a high exposure of assault and/or battery exposure due to the type of clientele.
	Any risk with an assault or battery incident in the last 3 years.
	Any risk with mechanical or amusement rides.
	Seasonal Operations
	Adult Entertainment
	Business being purchased under land contract sale.
	Armed security staff.
	Remain open or allow events to continue past 2:00 am
	Pyrotechnics
	Stage Diving, Mosh pits, activity that could cause bodily harm

Available States: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Additional policies to consider

• Auto
• Boiler & Machinery
• Umbrella
• Workers Compensation