With the holidays just around the corner, party planning is in full gear. If your business is planning a holiday party this year, you are probably going down the checklist to ensure that you are fully prepared for the big event. One thing that many business owners leave off their to-do list is to …
Restaurant, Bar, and Nightclub Insurance
My Nightclub Audio System Broke Down: Am I Covered?
When you own a nightclub, your business relies heavily on its music quality. Without an exceptional sound system, you risk losing customers and tarnishing your reputation. Of course, a premium sound system comes at a premium price. After investing a pretty penny into your nightclub audio system, the …
What Are “Dram Shop” Laws?
Traditionally, a dram shop is any shop where spirits are sold by the dram. Today, the term refers to any tavern, bar, or similar commercial property where alcoholic beverages are sold. Dram shop laws refer to laws that make businesses liable if they sell or serve alcohol to a minor or to patron who …
Does My Business Need Spoilage Insurance?
Food spoilage has always been a major inconvenience for businesses that make, prepare, or serve food. If perishable ingredients are not used up before they expire or go bad due to an unforeseen event, businesses can lose hundreds or even thousands of dollars in product. While you cannot always …
What Does Spoilage Insurance Cover?
If you own a restaurant, bar, nightclub, or other establishment that sells food or drink, you have probably heard of spoilage insurance. Spoilage coverage is a type of restaurant insurance and bar insurance add-on that reimburses business owners in the event of lost or contaminated perishable goods. …