This provides coverage for property damage or bodily injury if a patron is injured in your nightclub or a perimeter area such as the parking lot.
Frequently, nightclub insurance policies exclude coverage for situations where the party involved is injured due to intoxication after being served in your establishment.
For that coverage, you will need Liquor Liability Insurance.
People tend to consume alcohol while in nightclubs. Unfortunately, this puts you at risk for liability claims.
Texas' Dram Shop act is contained in the Alcoholic Beverage Code, and holds establishments liable for selling alcohol to obviously intoxicated persons. The person suing the bar must prove that they were obviously intoxicated to the extent they were danger to themselves or others when they were sold alcohol.
Liquor liability insurance provides coverage for any property damage or bodily injuries caused by patrons who have become intoxicated in your nightclub.
Often, liquor liability insurance policies exclude coverage for injuries sustained in fights.
For this coverage, you will need Assault & Battery Liability Insurance.
Excessive alcohol consumption can lead to violent and erratic behavior.
If a fight breaks out in your nightclub, you may be held liable if it can be shown that you failed to provide a safe environment for your patrons.
Security personnel and bouncers can prevent many instances of assault and battery claims against you.
This is necessary if you own the building in which your nightclub operates.
It will provide coverage for damages to the structure of the building due to severe weather events, fire, falling objects, and vandalism.
This provides coverage for all property kept inside your club.
This includes everything from furnishings and decorative touches to your supply of alcohol. It may be necessary to purchase additional riders for specialty items such as outdoor signs, large glass windows, lighting and sound systems.
If a power surge or mechanical failure causes equipment failure in your nightclub, you may have to close your club until repairs or replacements can be made.
Important equipment can include sound systems, lighting heating, and cooling systems.
This coverage will provide financial assistance for repairs or replacements so that your club can be open for business quickly.
If your nightclub is forced to close temporarily, this insurance may provide you with a continuation of income. This way, you can continue to pay your required expenses and employee salaries until you reopen.
This coverage is usually limited to twelve months.
This insurance covers lost wages and medical treatment resulting from an employee's work-related injury or illness.
It also covers services needed to help an employee recover and return to work.