At a night club, anything can happen, and this is what draws many people in for a good time. With new faces constantly flowing in and loud music pumping a driving beat through the crowds every night, night clubs face more financial risks than do other types of companies, and club owners must be able to see the bigger picture for their business. Part of owning a business in the hospitality industry entails anticipating all the possible ways that something could go wrong and then ensuring that a plan is in place, just in case it does. Brokers who specialize in protecting hospitality industry businesses will know best what types and levels of insurance for night clubs offer the most security.
Beyond general liability, night club owners also must consider carrying liquor liability. As night clubs are high-energy, sometimes even volatile, places, carrying assault and battery protection may well be in a club owner’s best interests. Excess liability coverage may also be advisable in some cases. Club owners have many decisions to make to keep their businesses running, and choosing the right protection is one of them. Besides offering advice and providing appropriate insurance for night clubs, experienced brokers who concentrate on the hospitality industry may also provide risk mitigation services to help clubs lessen the likelihood of claims being filed in the first place.