How to Shop for Insurance

When it comes to shopping around for insurance in VA it can be a little stressful. There are so many coverage options and insurance agencies willing to help businesses with their needs. It can be hard to know where to start. With these three tips on what to look for, however, you can find the right agency for you in no time.

Look for Experience

Don’t settle for someone that hasn’t been at the top of their game for years. Some insurance agencies have been leading the way for many years. You don’t have to settle for anyone that isn’t experienced or specialized in your particular business needs.

Look for a Fast Quote

You don’t have time to wait around when you have a business to run. Finding insurance in VA is imperative to the life of your company. You’re not going to want to waste your time waiting on a quote when you could still be looking. Make sure that they offer you a quote quickly.

Look for Versatility

A firm that has many different specialties can help you in all aspects of your life. It’s good to be able to find a solution to all of your insurance needs in one place. If you’re looking for more than insurance for your business, then being able to find it at one firm can be convenient and beneficial.

Insurance shopping can be overwhelming. However, when you know what you’re looking for it can narrow down the search quickly.

The Importance of Assault & Battery Insurance for Nightclubs

While nightclubs are a popular form of entertainment and many associate them with positive moments, they can quickly turn into unruly and violent sites. As a nightclub owner, you can be responsible for actions by both your clients and employees in these situations, and extensive lawsuits can result in lost profits and even the end of your business. By adding an assault and battery plan to your insurance for nightclubs, you can protect yourself against financial ruin.

Why You Need Client Coverage?

When a fight or larger brawl breaks out, you can be held accountable for any harm done to anyone involved. You can be sued by individuals who started the fight as a result of alcohol and by individuals who were harmed by others. Additionally, you can be responsible for violence that occurs offsite as a result of intoxication. The cost in these suits can quickly add up.

Why You Need Employee Coverage?

Often your security team and bouncers may need to intervene in unruly or unsafe behavior. However, these events can leave them open to allegations of assault. While they likely felt it necessary to intervene to prevent greater harm, they can still be sued, incurring extensive legal costs. Your establishment can also be held accountable resulting in additional lost funds.

Nightclubs can be centers for both real violence and the allegation of violence, and this can result in significant legal fees. However, assault and battery insurance for nightclubs can help you prevent these losses and keep your business running.

Common Liabilities Taverns Face

A tavern is the place for everyone to cut loose, enjoy a few drinks and share memories. Unfortunately, alcohol can lead to certain situations your establishment may be held liable for. Here are a few of the most typical ones that will make you thankful you have tavern insurance.


If one of your patrons gets too drunk and then gets behind the wheel of a car, you could be held liable if he or she gets in an accident. The best way to avoid this is for your bartenders to be aware of when someone has had too much and then prevent them from driving.


Bars have certain hazards that could result in injuries. Intoxicated patrons may want to start a fight. Even a game of darts or billiards could lead to someone getting hurt. It is good to take all necessary precautions to prevent an injury.

Underage Drinking

As a responsible business owner, you would never intentionally serve underage patrons. However, that will not stop minors from trying to get in. Make sure your staff is skilled at spotting fake IDs. Certain devices exist that allow you to scan IDs. It might be good to invest in one.

With the proper precautions, you may never have to use your tavern insurance. It is still good to have it just in case, but try your best to limit your exposure to risks.

Cover Your Establishment With Bar and Tavern Insurance

If you own a bar or tavern, you probably understand the hazards and liabilities of owning such an establishment. Your business attracts a wide variety of people for karaoke night and the big game and you want to ensure you are covered in the event of an accident with bar and tavern insurance. If you find a claim has been brought against you, you’ll have the financial resources to help your business survive.

Typical Coverage Components

Bar and tavern insurance plans can cover a host of bar elements like food service and the valet. However, typical policies often include the following coverage:

  • Assault and battery
  • Products and completed operations
  • General liability
  • Excess liability
  • Liquor liability

The above are considered standard coverage for this niche market. Some agencies also offer risk management services to help these establishments diminish exposure and deliver better service overall. Alcohol, food and violent incidents are standard claims within the context of a bar or tavern. Quality insurance agencies and agents will be fully prepared to help you navigate such claims effectively.

Bar and tavern insurance are necessary if you plan to have an operational and safe establishment. You can’t predict when an accident is going to happen, but you can prepare for it with quality coverage.