Nightclub & Gentlemen’s Club Insurance in California

Nightclub & Gentlemen’s Club Insurance will provide coverages such as General Liability, Liquor Liability, Assault and Battery Liability and other. Running a Gentlemen’s Club, Nightclub, or Strip Joint can be very challenging. In addition to the large investments that can be lost, there are many other situations that needs to be considered.  With over 20 years of experience in insurance business, we are servicing California businesses. Furthermore, we work with a many different insurance companies to provide you with a right coverage selection of competitively priced policies.

What Insurance Coverage do business owners need?

It does not matter whether you own a large or small private club, you will need to have an insurance coverage. For example, In California, you must have a Workers’ Compensation Insurance if you have one or more employees.  Also, if you rent your club space, you will need to carry a landlord insurance policy. Furthermore, there are other optional coverages available. Ask your agent about highly recommended because business establishments that serve alcohol have an increased risk of damages and liability claims.

Nightclub, Gentlemen’s Club and Strip Joint Liability Insurance will protect the business owner from potential lawsuits. Therefore, there are different types of liability insurance coverages that you can have.

• General liability insurance: This provides coverage for property damage or bodily injury. This will cover if a client is injured in your club or a perimeter area such as the parking lot.
• Assault and battery liability insurance:  Excessive alcohol consumption, parties can lead to violent  behavior. If a fight breaks out in your club, you may be held liable if it can be shown that you failed to provide a safe environment for your patrons.
• Liquor liability insurance: People tend to consume alcohol while in gentlemen’s clubs or other nightclubs. Unfortunately, this puts you at risk for liability claims. Therefore, Liquor liability insurance provides coverage for any property damage or bodily injuries caused by clients who have become intoxicated in your nightclub.

To protect your business property you will need the following coverages:

• Commercial Building Coverage: This is necessary if you own the building in which your nightclub operates. It will provide coverage for damages to the structure of the building due to severe weather events, fire, falling objects, and vandalism.
• Business Personal Property Coverage: This will provides coverage for all property kept inside the club.
• Tenant Improvement Coverage: You need to have this coverage if you don’t own the building. This provides coverage for inside updates of the business premises.
• Business Income Coverage: In case of an accident or loss it will provides you with lost income.
• Equipment breakdown insurance: If a power surge or mechanical failure causes equipment failure in your nightclub, you may have to close your club until repairs or replacements can be made.

Worker’s  Compensation Insurance is a must to have you employ one or more employees. If one of your workers is injured on the job, you could be responsible for covering any related medical costs. Workers compensation insurance will provide medical treatment coverage.