Bars / Lounges / Nightclubs

Bars

It’s 5’o clock somewhere.

You are in the business of creating moments. People come to you to escape the stresses of their day. People come to let loose with their friends. People come to you to spark romances and build connections. These moments of fun and entertainment are something that society values greatly. Let’s make sure that you and your business are properly protected so that your patrons can continue to live their best lives.

Let’s protect what matters most to you.

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Products & Coverages

Host Liquor Liability

As a distributor of alcoholic beverages you have an increased obligation towards the general public to serve your valued patrons in a responsible manner. Your business has the unique risk of being held liable in the event that one of your customers causes bodily injury or property damage after leaving your establishment.

Property

The building that houses your operation is a crucial aspect in the success of your business. Theft, vandalism, and weather are just some of the many things that can cause significant damage to your building, and the bill to repair can be even more substantial. Protecting your largest assets with an insurance policy can keep your business from a significant financial setback.

Contents

From your furniture to your audio visual equipment, your office equipment to the art on the walls, these items are crucial to the success of your business. Don’t waste hard earned money replacing these things after a loss. Having business contents insurance can be a real financial support.

Business Interruption

When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance in place, but all that policy is going to cover is the cost to rebuild your building. What about all the income you’re losing because your business is now closed? Business interruption insurance is an absolute must when it comes to protecting your business from a significant financial loss.

General Commercial Liability

Accidents happen, and if one results in a lawsuit the financial settlement could be hard for your business to absorb. Damage to a third party’s belongings or causing injury to a third party isn’t something anyone plans for when they come to work in the morning. Unfortunately, accidents do happen, so having a general commercial liability policy is essential to financially protecting your business.

Cyber Insurance

If your business stores sensitive client information, bank records, or any other vital information on its computer systems, then this coverage is essential. As a business owner, it’s important to be realistic about the risk cybercrime poses. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.

Connect with our team of experienced advisors so we can help analyze your risks and match you with the best protection options for your unique needs.

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Group Benefits

Most business owners agree, their employees are the lifeblood of their business, which makes the attraction, retention, and most of all the well-being of your employees a top priority. Employee group benefits are an effective way of making sure the hardworking talent you attracted not only continues to work, but continues to work for you!

Already have a plan in place? It may just be time for a review. Let our experienced team help make sure your plan is competitive and running smoothly.

Book your free review today.

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