Bar, Tavern, Night Clubs

Whether you operate a bar, quick-serve restaurant, tavern, nightclub, discotheque, lounge, comedy club or an adult entertainment venue, it’s a high-risk business and requires the right insurance program to ensure you, your business and your employees are protected. At ICC we understand the unique challenges facing your business. Our custom insurance solutions and specialized coverages are available for a wide range of your risk exposures. From liquor liability to assault and battery to food safety, ICC is at your side to protect you and your assets.

We have powerful partnerships with our distribution network of agents and brokers throughout the US, backed by A-rated (A. M. Best) global carriers dedicated to serving the hospitality sector. These partnerships, combined with ICC’s 100+ years of hospitality knowledge and experience enables us to deliver the most innovative, comprehensive and competitive solutions.

Availability: most states

Target Market & Eligibility

  • Full-service and preferred quick-service restaurants
  • Taverns, bars, lounges, nightclubs, comedy and dance clubs, live music venues and restaurants
  • High-end, on-premises catering with or without entertainment and dancing
  • Minimum sales of $750,000, Minimum Premiums of $10,000

Features

  • Surplus lines carrier rated “A XI” to “A XV” by A.M. Best
  • Great pricing, broad coverage
  • GL/LL and Property Package available with comprehensive property enhancement form included
  • Policies bound under $50,000 in GL pure premium are non-auditable (not available for new ventures)
  • First dollar coverage for GL/Liquor and Assault & Battery
  • General Liability limits of $1,000,000/$2,000,000
  • Liquor liability limits of $1,000,000/$2,000,000
  • Assault & Battery included with defense outside the limit of $1,000,000

If the establishment has in-house employed security, bouncers, ID checkers and or door hosts, all individuals with those roles associated with responding to a physical altercation must verify completion of an approved training program for eligibility.

If the establishment has contracted 3rd party security, we require for our files a copy of an acceptable agreement and Certificate of Insurance naming our insured and any landlord entities.

Nightclub Security Consultants is an approved security training partner that may require additional compliance given the insured’s particular situation and exposures: https://www.nightclubsecurity.com/insurance

ENHANCEMENT ENDORSEMENT
COUNTRYWIDE

Available coverage enhancements, subject to underwriting:

Coverage

Comments

ICC Restaurant Enhancement

BUILDING AND PERSONAL PROPERTY COVERAGE FORM – ADDITIONAL COVERAGES

Accounts Receivable

$50,000

Brands and Labels

$50,000

Computer Fraud

$25,000

Debris Removal

25% + $100,000

Employee Dishonesty

$100,000

Fine Arts

$100,000

Newly Acquired Fine Arts

30 days

$10,000

Fire Department Service Charge

$25,000

Fire Extinguisher Systems Expense

including Automatic Fire Protection Systems

No Deductible

$25,000

Forgery or Alteration

$25,000

Lost Key Consequential Loss

$100 Deductible

$5,000

Money and Securities

$25,000 IN / $10,000 OUT

Money Orders and Counterfeit Money

$25,000

Ordinance or Law – Building or Tenants I&B (A) Undamaged Portion

Bldg./I&B deductible

Included in Building Limit

Ordinance or Law – Building or Tenants I&B (B) Demolition Costs

$250,000

Ordinance or Law – Building or Tenants I&B (C) Increased Cost of Construction

$250,000

Ordinance or Law – Equipment

Within limits

Included

Reward Payment

N/A in New York

$10,000

Utility Services – Direct Damage, including Spoilage

Bldg./BPP Deductible

$25,000

BUILDING AND PERSONAL PROPERTY COVERAGE FORM – COVERAGE EXTENSIONS

Boundary Extension

1,000 feet

Extended Computer Coverage

$100,000 HW / $100,000 SW

Computers in transit or off-premises

$25,000

Artificially Generated Electrical Current

Within limits

Included

Newly Acquired or Constructed Property

90 days

$1,000,000 Bldg. & BPP

Outdoor Property

$25,000 ($1,000 tree/shrub)

Outdoor Signs

$25,000

Pairs or Sets

Within limits

Included

Personal Effects / Property of Others

$50,000

Including Checkroom Theft

$250 Deductible

$25,000 ITEM / $50,000 AGG

Property in Transit

BPP Deductible

$25,000

Property Off Premises

BPP Deductible

$25,000

Sewers and Drains –  Back Up

$100,000

Tenant Glass

Included if lease requires

Valuable Papers and Records

$50,000

BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM – COVERAGE EXTENSIONS

Food Contamination

24 hr. Deductible

$25,000 BI / $25,000 EE

Utility Services – Time Element

24 hr. deductible or BI or COL deductible, whichever is longest

$100,000 per location (up to maximum of $500,000 for any one “named storm” regardless of  # of locations)

$1,000 deductible applies unless stated elsewhere in the endorsement.

If there is a Deductible or “period of restoration” that applies to a specific Cause of Loss that is covered within your policy, that specific Cause of Loss Deductible or “period of restoration” supersedes any Deductible or “period of restoration” within this endorsement. This includes, but is not limited to, a Deductible or “period of restoration” for windstorm, earth movement, earthquake or flood.