Because of the unique nature of the business, nightclub owners need to have a good liability insurance policy in place to protect them from a variety of events and accidents. Any place that serves alcohol carries a higher level of risk than venues that do not. Understanding those risks and the role you play in preventing potential accidents is important.
As the owner of a bar, you are aware that a disaster could happen at any moment. Perhaps one of your employees is having a bad day, and they break some of your equipment or vandalize the property. Perhaps, you sell alcohol at the bar to the wrong patrons at the wrong time. Suddenly, those patrons are involved in an
Generally, intentional acts that cause damages are not covered by insurance. Many jurisdictions have regulations prohibiting coverage for acts undertaken intentionally, with the intent to cause harm. Society does not promote criminal actions by allowing a wrongdoer to go scot-free. If all intentional bad acts were insurable, that would allow offenders to profit by transferring the financial responsibility for damaging