Common Exposures: Bars & Nightclubs

Bars, taverns and nightclubs are often a go-to destination for those looking to socialize, watch a game or simply have a drink after work. However, because of the presence of alcohol, these establishments have an elevated level of risk.

Things like unruly patrons and poor liquor serving practices can lead to potential lawsuits or insurance claims. What’s more, exposures for your business extend well beyond property damage or crime concerns, and can even include damaging third-party liability claims should a patron be involved in an incident. The list below provides a quick overview of these risks.

Download the full list to get more information and to help identify potential blind spots in your bar’s risk management and insurance programs. 

• Liquor Liability
• Property 
• Premises Liability
• Equipment Breakdown
• Crime
• Food & Product Liability
• Assault, Battery, Physical Conflicts
• Workers’ Compensation

While the proper risk management practices can reduce certain exposures, no system is 100 percent effective in ensuring an incident-free workplace. As a result, it’s all the more crucial to work with a qualified insurance broker to not only assess your exposures, but secure the appropriate coverage as well. To learn more, contact Seubert today: 412-734-4900.