• Hospitality Insurance Programs

    Tagrisk Insurance Services Hospitality Insurance Programs Interior of a traditional British food and drinks establishment with a modern twist. No people. Bar stools and bar counter seen with overhead lighting. Rustic look with beer bottles behind the bar.

Hospitality Insurance Specialists | Restaurants Nightclubs Bars

“When it comes to liability coverage our Hospitality Risk Specialists understand the needs of restaurants, bars and nightclubs in the hospitality insurance industry.  Our team of providers deliver hospitality focused products that protect your business.”

Hospitality Insurance Programs:

  • General Liability
  • Liquor Liability
  • Assault & Battery
  • Hired & Non-Owned Auto

  • Employee Benefits Liability
  • Excess Liability
  • Commercial Auto
  • Employers Liability

  • Commercial Property
  • Workers Compensation
  • Cyber Liability
  • Other Options Available

General Liability Insurance

General Liability Insurance covers loss from bodily injury and property damage and is a necessity in the nightlife hospitality industry. Restaurants, bars, and nightclubs have a lot of moving parts and accidents do happen. The most common losses in the the hospitality class include, but not limited to are, slip & fall, assault & battery and food poisoning. If your business is found liable, how will you cover expenses?

Tagrisk Insurance Services is here to cover your business from incurring these costly business expenses. We insure the following venues:

  • Restaurants
  • Cocktail Bars
  • Dive Bars
  • Sports Bars
  • Tiki or Beach Bars
  • Brew Pubs
  • Beer Gardens

  • Saloons
  • Taverns
  • Pool Halls
  • Lounges
  • Nightclubs
  • And More

Liquor Liability Insurance

Every business operation that sells alcoholic beverages must hold a valid liquor license. These same operations also expose themselves to liability claims associated with intoxicated customers causing bodily harm or property damage. Liquor Liability Insurance covers loss from alcohol related claims. These claims can be extremely expensive as they can include anything from minor injuries to death.

Tagrisk Insurance Services offers liquor liability insurance to these business operations in the nightlife hospitality industry. As hospitality risks specialists, we specialize in this unique class of business and are experienced in handling small and large claims alike.

Assault and Battery Insurance

Assault and Battery Insurance protects businesses from incidents involving customer on customer violence, employee on customer violence and customer on employee violence. Tagrisk Insurance Services recognizes the risk involved in bars, nightclubs, and restaurants and knows how to respond to A&B claims.

Our Assault and Battery coverage fills in gaps that other agents can’t. A&B coverage is not only for alcohol related incidents but also non-alcohol related incidents. Assault and Battery Insurance covers loss from acts of violence including, but not limited to:

  • Fist fights
  • Stabbings
  • Shootings

Hired and Non-Owned Auto Insurance

Hired and Non-Owned Auto Insurance covers establishments that have potential automobile loss exposure. Some business owners think that this form of coverage is only good for delivery drivers, but this is not true. Tagrisk offers hired and non-owned auto insurance for restaurants, bars, and nightclubs as any one of the following situations can leave your business with a costly claim. Employees who:

  • Drive and pick up lunch for fellow employees and/or management
  • Go to the bank for a reason related to your business operation
  • Drive their own vehicles to generate sales for the company
  • Pick up business related supplies

Employee Benefits Liability Insurance

Tagrisk offers Employee Benefits Liability Insurance to businesses operating in the nightlife hospitality industry. This form of coverage fills coverage gaps related to employee benefits errors. Employee Benefits Liability Insurance covers loss for neglecting to secure/offer benefits during the eligibility period. Mistakes happen, but improper administration of employee benefits can lead to expensive claims and can negatively impact your businesses reputation.

Commercial Auto Insurance

Tagrisk Insurance Services covers restaurants, bars, and nightclubs in the nightlife hospitality industry with Commercial Auto Insurance. Commercial Auto Insurance covers the bodily injury and property damage that relates to owned, covered autos.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) covers defense and indemnity from employment related claims. Almost 75 percent of all litigation against companies and corporations today involve employment disputes, and a typical claim exceeds $250,000 in court costs and attorneys’ fees, whether you win the case or are found liable.

Employment Practices Liability Insurance (EPLI) may cover charges made against an employer for the following:

  • Discrimination and harassment
  • Wrongful termination
  • Wage & hour claims
  • May include Third Party
  • Comprehensive coverage may include additional benefits

Commercial Property Insurance

Commercial Property Insurance coverage is a necessity for any business owner. Our property insurance coverage can be customized to meet the needs of your restaurant, bar or nightclub business. Commercial Property Insurance covers building, tenant improvement, loss of revenue and other additional property types for fire, water damage, theft and other named perils.

Our experience in the hospitality industry allows us to understand your property risks. The Tagrisk team will review your current coverage with you to ensure you are properly protected.

Commercial Property coverage may include:

  • Stock
  • Improvements made to the property
  • Furniture, equipment (owned or leased) and supplies
  • Equipment breakdown
  • Robbery
  • Food spoilage
  • Business income
  • Crime coverage is available

Workers Compensation Insurance

Workers Compensation Insurance is standard across most retail agents. It protects your business from claims (being sued) related to injuries/incidents that occur during the tenure of your employees employment.

Injuries can take place at any establishment in the nightlife hospitality industry. Most employees cannot afford to miss work and also pay for medical expenses while missing wages. Tagrisk Insurance Services is the solution to to cover your business and its employees needs. Workers Compensation Insurance covers the insured from the following as the law allows, while employed:

  • Injury
  • Illness
  • Disease and Death

Excess Liability Insurance

Tagrisk Insurance Services offers Excess Liability Insurance to further protect your business. Excess Liability increases the general liability, liquor liability and assault and battery of a policy based on the primary coverage.

Cyber Liability Insurance

Here at Tagrisk, we offer cyber liability insurance to all brokers in the nightlife hospitality industry. Cyber attacks and data breaches result in loss directly to your clients and to their customers and business partners. Cyber insurance policies typically offer coverage for both first party (your stuff) and third-party (their stuff) expenses.

First Party Coverage evolves around response, restoration, loss of income, extortion, regulatory fines & penalties and theft (optional) loss costs.

  • Computer forensic expenses to identify breach impact and develop plan to remediate damaged software and hardware.
  • Notification expenses for affected individuals exposed by personally identifiable information (PII) or protected health information (PHI) released into the public domain.
  • Business interruption and extra expense costs
  • Regulatory fines and penalties
  • Deceptive funds transfer
  • Ransom demands for cyber extortion
  • Public relations expenses to maintain customer confidence

Third Party Coverage can include defense cost and expenses such as:

  • Credit & debit card (PCI) fraud & reissue expense
  • PCI fines and penalties
  • Identity theft and related class action lawsuits
  • Bodily injury resulting from stolen information
  • Loss of third party intellectual property and related loss
  • Transmission of malicious/virus infected code
  • Personal and advertising injury damages resulting from website content

With different coverage options available, contact Tagrisk Insurance Services for a quote today!