Top Reasons to Have Personal Umbrella Insurance

The club is hopping with the steady beat of music, people dancing and swaying to the rhythm with their drinks raised in celebration. Bars, dance halls and nightclubs in particular often serve alcohol to their patrons. Those same patrons then leave the establishment on their own or with someone else. Having nightclub liquor liability insurance can ensure your establishment is protected in the event your patron is involved in an accident.

Insurance Options

Nightclubs, bars, live music clubs and other hospitality venues have a unique set of risks and liabilities especially with the addition of alcohol. Some policies business owners should consider to cover the risks for their hospitality venue include:

  • Excess Liability
  • Liquor Liability
  • Assault and Battery
  • General Liability
  • Products and Completed Operations

Liquor Liability

A lawsuit that is related to alcohol often involves death or serious injury. Emotions typically run high and the cases are difficult. A loved one may look to the business who furnished the alcohol for compensation for their losses. A liquor liability policy can help your business in the event you are sued for alcohol-related accidents.

Nightclub liquor liability insurance policies can be tailored to your specific hospitality venue. A licensed agent can ensure you have the coverage you need, so you can get back to entertaining.