If you own a bar, tavern or nightclub, your insurance coverage is the last thing you think about. You most likely work long hours in to the night and then turn around the next morning and start it all over again. The last thing you have time to think about is your Bars Insurance. There are a few things that you need to think about when you get your Bar, Tavern and Nightclub Insurance insurance quote. First you need to look at liquor liability insurance. This is an important coverage since a majority of your clients are going to be drinking alcoholic beverages in your bar. This will cover you if a patron drinks at your bar and then drives home and injures someone else in a motor vehicle. This could be a type of claim that could close your business down without the proper Liquor Liability Insurance limit. The next coverage that is important is General Liability and Property coverage. Has your floor ever been slippery due to food or drink being spilled? Has anyone ever slipped and hurt themselves on your floor? This is where General Liability Insurance for your Bar comes in. Property coverage will cover any property your business owns. This could be all of the tables, chairs or inventory. Or if you own the building you would also need building coverage. The last coverage you need to purchase is Workers Compensation. You need Workers Compensation Insurance in case one of your employees is injured while working or in the event of an employee suing for an injury.
Hopefully you will find time to review your current coverage and make sure that Bar, Tavern or Nightclub insurance program is properly Insured.
Cranson Insurance Agency
If you would like additional information on your Bar, Tavern or Nightclub Insurance, please call Bryan Cranson at 888-581-0331.