As a nightclub owner, you have a lot of expenses to take care of. Your primary responsibility is to keep your clients happy, so you may be tempted to focus all your attention on improving the atmosphere of your club. However, until you have a good nightclubs insurance policy in place, everything else doesn’t really matter. In fact, it could all be gone in the time it takes someone to become injured and file a lawsuit against you. Even if it turns out the claim is fraudulent, you could still be responsible for paying thousands of dollars in legal fees.
Purchasing a good insurance policy can protect you from costly legal problems. Be aware that different policies offer different types of coverage, so you’ll need to do your homework in advance and determine what coverage you need.
Important Types of Nightclub Insurance
Did you know that as a nightclub owner, your establishment could potentially be sued by victims of violence, even when they’re off the premises? For this reason and more, you should have a policy that includes assault and battery coverage. Coverage should include agent-on-patron violence as well as patron-on-patron violence.
Of course, general liability is an indispensable type of coverage for nightclub owners, and you might also want to consider getting a policy that includes liquor liability, excess liability and products and completed operations coverage as well. When it comes to nightclubs insurance, there really is no such thing as too much protection, select your policy wisely.