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Business Insurance Products

Nightclubs/ Bars/ Restaurants Insurance

Charter Risk Management and Insurance Agency understands that due to the nature of this type of enterprise and clientele, nightclub and bar owners must be prepared for more liability claims than most other business owners.

Nightclub/Bar/Restaurant Insurance consists of several coverage categories that in combination protect you from property damage and bodily injury claims as well as risks that are more specific to your business.

Your Exposure to Claims:

Nightclub/Bar/Restaurant owners must protect themselves from property damage, liability for bodily injury that occurs on their premises, personal injury suits, crime, and assault and battery. Most Nightclub/Bar/Restaurant Insurance packages include:

Liability:

  • General Liability: can cover you for up to 5 million dollars in damages due to a lawsuit or claim involving accidental bodily injury or property damage.
           
  • Liquor Liability: pay for sums which the insured is obligated to pay due to a lawsuit or claim involving bodily injury or property damage on or off the premise resulting from a patron that was served alcohol from your establishment.
           
  • Assault and Battery: coverage for third party liability claims that arise from assault and battery charges. This covers patron to patron and employee to patron violence.
           
  • Personal Injury Coverage: helps protect against lawsuits for libel, slander, etc.


Property Coverage:

  • Building Coverage: includes any damage, whether intentional or accidental, to your Nightclub/Bar/Restaurant.
           
  • Personal Property Coverage: includes damage to your personal property on the premises
           
  • Ordinance or Law Coverage: will cover the larger costs of reconstruction if your older building suffers substantial damage and must be rebuilt in compliance with new government standards.
           
  • Business Income Coverage: covers loss of income due to a claim.


Crime Coverage:

  • Robbery & Safe Burglary, Money & Securities Coverage: covers money and securities lost in a robbery or safe burglary at a building or in the care and custody of a messenger.
           
  • Theft, Disappearance, & Destruction Coverage: protects against loss of money and securities resulting directly from any kind of theft, disappearance, or destruction of property


There are also numerous plans that cover glass, appliances, parking areas and essentially everything that a Nightclub/Bar/Restaurant owner may need to protect or may be liable for.


For more information please call us at (415) 876-5440.  You can request a free quote here.

 

 

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