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Due to the nature of the business, bar and nightclub owners need to be prepared for more liability and assault and battery claims than most other businesses. With risks specific to the bar and nightclub business, such as patrons getting in fights with security personnel or serving a minor, insurance coverage needs to be adequate and extensive. Because of this, bar and nightclub owners need to protect themselves against: * Property Damage * Liability for bodily injury that occurs in or on the premises of the establishment * Liability for bodily injury to patron or others that occurs after leaving the establishment * Personal injury suits * Crime, such as theft * assault and battery. As the risks are high, consider taking the following risk management steps to better protect yourself, your employees, and your establishment against claims: * Keep an accident activity log * Require beverage service training for bartenders and wait staff  * Require a certificate of insurance for any outside agency used to provide security at the establishment * Use hand stamps and wrist bands to identify those eligible to drink at the establishment * Use surveillance cameras both inside and outside the establishment to monitor activity of patrons and employees.
Posted 12:12 PM  View Comments

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