Nightclub and Bar Insurance

Protecting your business so the party can rage on.

Nightclub and bar insurance provided by Strickler Insurance.

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Running a bar or club in Pennsylvania can be difficult. Let’s be honest in Pennsylvania there are way more bars than nightclubs. Maintaining your bar requires constant attention to stocking the liquor, providing food, and managing events. Insurance for your bar is one of the last things you might think of, but it is the first thing you’ll need if something goes wrong.

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Pennsylvania Nightclub & Bar Insurance Specialists

At Strickle Insurance we provide restaurant insurance as well as a wide variety of business insurances. Bar insurance is a very specific type of insurance that needs keen attention to detail, dedicated time to knowing your bar’s services, and specific needs. At Strickler Insurance we have worked with multiple bars in Pennsylvania. Contact us today for a free quote on your bar and club insurance.

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Nightclub and Bar

Premises Liability

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, dim lighting, etc. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more. Outside, there is also a security risk in parking lots and with potential physical altercations between guests and/or staff.

Solution

Commercial general liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable and will also pay to defend any covered lawsuit or action, regardless of its merit.

Liquor Liability

Risk Factor

If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.

Solution

Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Workplace Violence

Risk Factor

Traditional general liability and property coverage are not designed to adequately cover workplace violence claims.

Solution

Workplace violence and crisis response policies are created to provide coverage for damages related to third-party liability, loss of business income, and other expenses related to workplace violence.

Workers' Compensation and State Disability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your space, commercial property insurance can be purchased separately or can be combined with other necessary coverages to protect your business’ physical assets.

Business Income

Risk Factor

In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, is incapable of supplying you with what you need to keep your business running?

Solution

Make sure that your business income insurance includes contingent business income coverage to protect against the loss of potential earnings to your restaurant caused by the inability of a key vendor to provide a component necessary for the completion or execution of your services.

Sign Coverage

Risk Factor

Exterior signs associated with your business are vulnerable to fire, vandalism, and weather. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.

Solution

Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. If not, increase the policy limit as required.

Flood Insurance

Risk Factor

Flooding is the most commonly occurring natural disaster in the United States. It can occur in almost any location and to any business, even if your area isn’t designated as a high-risk flood zone. Are you protected?

Solution

Flood insurance is typically not included in a commercial property insurance policy but can generally be added by endorsement as long as the property is not in a high-risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high-risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, throughout employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.

Solution

Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business, as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.

Cyber Liability

Risk Factor

Just about all businesses rely on technology in some way; it's increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you're at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.

Solution

Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, as well as paying for regulatory defense and penalties arising from privacy law violations.

Valet Parking

Risk Factor

Providing a valet service is convenient for your guests, but damaging a vehicle, property, or causing injury is a very real risk associated with it.

Solution

Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to your guest's vehicle or other vehicles on site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

Do I Need Insurance For My Bar Or Night Club?

There is such a large amount of risk in owning a bar that you need insurance. You know there are a lot of risks that your bar should be protected from. Below are insurance coverages that are commonly purchased by businesses.

  • Club & Bar Business Owners Policy (BOP): A business owner’s policy for a bar and club is an essential part of protecting your business. This is essentially a combination of liability insurance and property insurance all in one policy.
  • Club & Bar General Liability Insurance: Liability insurance for a bar and club is so important to have. Protecting yourself from lawsuits or liability your business might sustain. Not having liability insurance could result in your bar and club being forced to close.
  • Club & Bar Workers’ Compensation Insurance: Having workers’ compensation for your bar and club employees is so important. Not only is it required by the state that you have workers’ compensation for your bar and club but it also helps save you money. By having workmans’ comp you are more likely to retain employees.
  • Club & Bar Business Crime Insurance: When running a bar and club you know there is potential for robberies to occur, especially with the expensive alcohol. Having crime insurance for your bar will protect you, your business, and all of your assets.
  • Club & Bar Cyber Liability Insurance: Cyber liability insurance is something almost every business needs. Think about any aspect of your bar and club business that is present online. Imagine if any of that information or data were stolen or destroyed. Lacking cybersecurity has the potential to not only damage your business and reputation but to fully close your bar and club doors.
  • Club & Bar Property Insurance: Having property insurance for your bar and club will protect your organization’s assets and investments. Be prepared for fire, flooding, theft, or accidental damages that can occur on your bar and club property.
  • Club & Bar Umbrella Insurance: Having umbrella insurance for your bar and club is such an effective way to protect your business. Umbrella insurance takes all of your existing bar and club insurance and increases its effectiveness with additional payout coverage.

 

Club & Bar Employee Benefits

  • Club & Bar Health Benefits: Get group health insurance for your bar and club employees. Keeping employees at your bar and club business can be difficult, but by offering health insurance you can increase employee retainment and health for your whole organization.
  • Club & Bar Vision Benefits: Get vision benefits for your bar and club employees. Not every business offers group vision insurance, especially not every bar and club. This benefit will help your employees see how much you care about them and their vision.
  • Club & Bar Dental Benefits: Get group dental insurance for your bar and club employees. Providing dental benefits makes your business stand out to potential employees.

 

Get Club & Bar Insurance From Strickler Insurance

Strickler Insurance is located in Lebanon Pennsylvania and provides many local bars, breweries and restaurants with business insurance. Get your bar and club insurance in Lebanon PA, Pennsylvania, or one of our neighboring states. At Strickler, we hope to provide the best bar insurance possible. We provide bar and club coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free bar and club insurance quote!

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