Connect insurance to the operation
Bars and lounges need coverage built around alcohol sales, hours, occupancy, entertainment, security, employees, property, and the way guests enter, move through, and leave the premises. Insurance planning for alcohol service, guests, employees, property, security, and late-night operations.
Required policies and limits
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Additional insured and waiver wording
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Indemnity, notice, and recordkeeping
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Risks that deserve specific attention
Liquor liability and alcohol-related injury allegations
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Assault, battery, security, and premises incidents
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Fire, property damage, equipment loss, and interrupted revenue
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Coverage areas to coordinate
Liquor and general liability
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Property, equipment breakdown, and business income
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Umbrella, workers' compensation, cyber, and crime
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Build a useful submission
- Describe every operation, ownership entity, location, service, customer type, and material change since the prior policy began.
- Provide current revenue, payroll, values, vehicles, equipment, contracts, and currently valued loss information when available.
- Explain significant claims, near misses, corrective action, safety procedures, training, maintenance, and management oversight.
- Identify requested effective dates, contract deadlines, lender or landlord requirements, desired limits, and deductible preferences.
Questions the review should answer
How will the program address liquor liability and alcohol-related injury allegations?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address assault, battery, security, and premises incidents?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address fire, property damage, equipment loss, and interrupted revenue?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
Frequently asked questions
What information helps prepare a Bars & Lounges insurance contracts and certificates review?
Start with a clear description of the operation, locations, ownership, revenue, payroll, property, vehicles, contracts, current insurance, and loss history. For bars & lounges, pay particular attention to liquor liability and alcohol-related injury allegations, assault, battery, security, and premises incidents, fire, property damage, equipment loss, and interrupted revenue.
Which policies commonly deserve attention for bars & lounges?
The starting coverage areas include liquor and general liability, property, equipment breakdown, and business income, umbrella, workers' compensation, cyber, and crime. Actual needs depend on the operation, contracts, locations, people, property, vehicles, services, and available market terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.