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601, 2016

Umbrella Insurance for the Bar Industry Explained

By |January 6th, 2016|News And Events|Comments Off on Umbrella Insurance for the Bar Industry Explained

The restaurant and entertainment business isn’t an easy one. In fact, it’s estimated that nearly two-thirds of all new eateries, cafes, bars, clubs and other food and entertainment venues will eventually close sometime within the first three years of their opening. Yes, it’s a tough business, one that requires business owners to work hard for long hours in an effort to establish themselves and gain traction in their market. And then, of course, there’s always the threat of lawsuits and other instances that can derail a business. It is 2016, after all, and food allergies, food contamination and other accidents from these aforementioned establishments all have the potential to lead to lead to expensive settlements if things go awry.

With that being said, picture this scenario for a moment: You’ve made it in the market to the point where you’re turning a healthy profit, your food and service is lauded by your customers and things are going […]

312, 2015

Host Liquor Liability vs. Full Liquor Liability Insurance

By |December 3rd, 2015|Liquor Liability Insurance, News And Events|Comments Off on Host Liquor Liability vs. Full Liquor Liability Insurance

Ever wondered who’s responsible for the liquored-up actions of a restaurant patron, partygoer or wedding guest? Have you ever been in the somewhat uncomfortable position of serving alcohol to a wide variety of people, and not been quite sure whether or not it was a “safe” thing for you to do? Do you wish you could throw a fête without worrying about what will happen afterward?

These are common questions for executives, owners or others who want to wine and dine a crowd, but would rather not be held liable for the fender-benders (or worse) that could take place afterward. Ditto heads of establishments that serve alcohol on a regular basis. And who can blame them?

The good news is, there’s an insurance for that. If you don’t want to be responsible for property damage or bodily harm resulting from inebriation, host liquor liability insurance and full liquor liability insurance can help […]

3011, 2015

Bar Insurance Budgeting Basics

By |November 30th, 2015|Bar & Tavern Insurance, Bar Insurance|Comments Off on Bar Insurance Budgeting Basics

There is so much more than meets the eye that goes along with owning and operating a successful bar in Sugar Land, Texas, or elsewhere in the U.S. for that matter. One thing that every bar, pub, beer garden, tavern, taproom, nightclub, alehouse, saloon, or sports bar that hopes to become successful needs is a solid insurance foundation.

Don’t make the mistake of thinking you can’t afford insurance because you’re just getting started or that there are more important things to invest in for your bar. The fact is, you can’t afford to be without bar insurance, especially bar liability coverage, in this litigious day and age. The good news is that insurance is more affordable than you’ve been led to believe – if you choose wisely and budget accordingly.

Understand How Bar Insurance Rates are Influenced

The more you understand about insurance rates and the things that affect them, the better able you […]

1507, 2015

Elements to consider before getting bar insurance

By |July 15th, 2015|Bar Insurance, News And Events|Comments Off on Elements to consider before getting bar insurance

A sports bar is the sort of spot where individuals go to appreciate nourishment, beverages, and supporting their most loved games groups. Sports competitions can now and again get extremely included, and diversions can be considered important. Shockingly, every so often that energy can get to be compelling, and a few visitors at your sports bar may get over-enthusiastic. That is only one of the numerous insurance dangers for the proprietor of these foundations.

In the event that you possess a sports bar, then you need to verify that you are shielded from any misfortunes with the right business insurance scope. The issue is that numerous sports bar proprietors are not acquainted with the diverse components that influence insurance scope and how those elements can cost the sports bar proprietors a considerable measure of additional cash.

Components To Consider

Before you purchase business insurance for your sports bar, it serves to comprehend the […]

503, 2015

Does Standard Restaurant Insurance Cover Alchohol Related Accidents?

By |March 5th, 2015|Liquor Liability Insurance, News And Events, Restaurant Insurance|Comments Off on Does Standard Restaurant Insurance Cover Alchohol Related Accidents?

Does Standard Restaurant Insurance Cover Alcohol-Related Accidents?

 

Picture this scenario. You own a restaurant. One night, a few guys come in for dinner and have a few drinks at your establishment. After enjoying some good food and strong drinks, they leave for the night. On the way home, one of those guys who is driving crashes his vehicle and causes a deadly accident. Guess who could possibly be held responsible for the damage? Your restaurant.

Dram shop laws were put in place to keep establishments that serve alcohol to patrons responsible accountable for any injuries, damages, or even deaths caused by intoxicated patrons. These laws can be enforced through civil lawsuits, and DUI victims and their families can sue alcohol-serving establishments for monetary damages. These lawsuits can result in huge financial payouts. For example, in one case back in 1999, a New Jersey jury awarded the family of a girl who was […]

1202, 2015

The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy

By |February 12th, 2015|News And Events|Comments Off on The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy

The Risk Factors That Are Considered When Underwriting A Bar Insurance Policy
While running a bar can be a very rewarding business in a number of ways, the undeniable truth is there are numerous inherent risks that come with owning a bar. As a bar owner, it’s important that you do your part to limit these risks and minimize your exposure to protect your business interests. That’s why it’s so important to invest in a bar insurance policy that offers ample protection for your business.
When shopping around for bar insurance in Texas, it’s important to understand some of the challenges your business faces that can make it difficult to underwrite. That includes things like:

 

• Bars have a high failure rate. Some analysts believe that around 90% of all bars fail within their first year of business. Whether or not this number is right is up for debate, but the fact is […]

2101, 2015

5 More Reasons Your Establishment Needs Liquor Liability Insurance ASAP

By |January 21st, 2015|Liquor Liability Insurance, News And Events|Comments Off on 5 More Reasons Your Establishment Needs Liquor Liability Insurance ASAP

If your bar or restaurant is one of the many rolling the dice by not having a liquor liability insurance policy, listen up. Every moment you go without liquor liability coverage is a moment where your entire business is on the line and could be taken away in the blink of an eye. Accidents can happen at any time without warning, and if an intoxicated patron harms himself or someone else, your business can face an enormous lawsuit. With that in mind, here are 5 more reasons your establishment needs liquor liability insurance immediately.
 1. It only takes one incident to bankrupt your business
As we said earlier, accidents can happen at any time. A patron who has had a little too much to drink could assault another customer or, even worse, get behind the wheel and cause a deadly accident. Without liquor liability coverage, your business could get sued to the […]

601, 2015

The 7 Trendiest VIP Restaurant Treatments for 2015

By |January 6th, 2015|News And Events, Restaurant Insurance, Special Event Liability|Comments Off on The 7 Trendiest VIP Restaurant Treatments for 2015

In the highly competitive dining business, restaurants are going to greater lengths than ever before to attract VIP diners and create unique, one-of-a-kind experiences. VIP diners demand special treatment. They want privacy first and foremost, and they want their every need catered to. Often times, creating a VIP experience extends into every part of the restaurant, from the initial design and restaurant buildout to the menu and special surprises along the way. For 2015, here are the trendiest VIP restaurant treatments being tested out across the world.
1. Secret entrances:
A-list celebrities and political figures prefer to enter into a restaurant without being noticed. They don’t want to deal with the fanfare that comes with being known across the world while trying to enjoy a meal with their family or friends. That’s why many top restaurants now offer secret VIP entrances that allow elite diners to sneak in without getting spotted. Sometimes, […]

2312, 2014

Insurance for Texas Bars: 5 Popular Myths Busted

By |December 23rd, 2014|News And Events|Comments Off on Insurance for Texas Bars: 5 Popular Myths Busted

For years, we have been providing insurance for Texas bars across the area, and during that time, we’ve worked with bars and clubs of all sizes. We’ve learned that shopping for bar insurance coverage is often seen as a complicated, overwhelming task for many bar owners, and some avoid getting coverage altogether, deeming it too much of a hassle and believing it to be unnecessary.

Unfortunately, the process is often complicated thanks to all the misinformation and myths that are thrown around. That’s why we’ve decided to bust these widely accepted bar insurance myths once and for all so you can get the simple information you need to protect your business:
Myth 1: You can’t get sued if you’re broke
This is one we hear all the team. For some reason, bar owners believe that if they don’t have a lot of assets, they can’t be sued. That’s wrong. No matter how small […]

1811, 2014

Do I Need Insurance for My Restaurant in Texas?

By |November 18th, 2014|News And Events, Restaurant Insurance|Comments Off on Do I Need Insurance for My Restaurant in Texas?

As restaurant insurance agents who have been working with business owners across Texas for years, one of the most common questions we get asked is simply, “Do I need insurance for my restaurant in Texas?” As a business owner, your eyes are always on the bottom line, looking for ways you can increase profits and reduce expenses. So if you can get away without spending on extra insurance for your restaurant every month, it would only make sense to save that money. However, that’s not the case. Restaurant insurance is absolutely essential for all dining establishments.

Restaurant Insurance is an Investment, Not an Expense

While it’s tempting to skimp on restaurant insurance so you can save a few bucks each month, the truth is you shouldn’t view your insurance as another expense. It’s an investment, and in fact, it’s one of the most important business investments you can […]

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