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Nightclubs, bars, and bouncers – Does insurance matter?

June 28th, 2011 · 2 Comments

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South Florida is not only famous for its amazing sunshine and beaches. It’s also known to have our country’s hottest nightlife, club scene and concert venues. The hotspots are filled with trendsetters from around the globe looking to make their mark on the decadence in South Florida.

The high priced entrance fees, cocktails, and VIP table service makes the nightlife business a great business. Patrons typically pay $12 and up per drink and $200 and up for bottles of liquor at the table.

The rich enjoy spending and being seen and the club owners enjoy getting rich. The price of this wealth doesn’t come easy, there are many risks, liabilities, and logistics that must be carefully considered when starting or while running a night club operation. We at MAMI Insurance, have the experience and communication necessary to make sure your club business maintains the proper insurance coverage. There are many nightclub insurance issues that are essential to reviewing so that the liability exposure is brought down to a minimum and that the risk is controlled. A consultation with one of our insurance professionals is the best place to start in order to get a handle on your business.

During your initial discussion with a member of the MAMI Insurance team, as a business owner you will be asked many questions regarding the operation you’re looking to insure. Here a is an overview of the type of information that will be important. Insurance companies want to know if the establishment is primarily a drinking service bar, dance club, or music venue with bands and DJs. These are just examples, but each type of the mentioned purposes is distinct and may require a variation on the type of coverage that’s needed for the business. There will also be an inquire into the location – in many areas a bar near a college town is more likely to have fights, and other violence related issues.

The general rule is that where there is alcohol being served, it creates the potential for unruly behavior and increases the chance of accidents, injury, and other types of liabilities. It’s also important to have a safety plan in place to minimize damage and control a unforeseen occurrence at the club. Insurance provides coverage for various situation that are more than likely to occur and insurance coverage is one of the most prudent steps to take in order to build a lasting successful nightclub business.

MAMI Insurance is ready to answer you questions regarding the right insurance coverage for your business.

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Tags: Advertorial · M.A.M.I Insurance

2 responses so far ↓

  • 1 jennifer // Jul 19, 2011 at 11:26 am

    If you want club insurance for your clubs including Sport club, NightClub, Yacht, Health & Fitness club, Political and Social Clubs in Uk then visit .

  • 2 Seth Picard // Sep 17, 2012 at 9:22 pm

    I had a question in regards to insurance and liability for nightlife promotion companies. So we just starting to run promotions for local bars and clubs here in Orlando, Fl area and we just wanted to know what the promotional companies that a club or bar hires for a promotion can be held liable for? And if so what can we do to protect ourselves?

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