Social or Private Club Insurance Coverage Overview
Who Needs Social or Private Club Insurance?
If you own or manage a social or private club or similar establishment, it is important that you have the right coverage in place to ensure that you are fully covered in the event of a claim. Some organizations that must have or should consider this insurance coverage include, but are not limited to, the following;
- Legions
- Reception Halls
- Private Clubs
- Social Clubs
- Pub
- Bar
- Restaurants
What Does Social or Private Club Insurance Cover?
Social or private club insurance is most commonly found as an extension to an existing commercial package insurance policy, which is already encompassing property insurance and commercial general liability insurance coverage. This coverage is quite important as it includes cover for damages to persons and property caused by patrons when customers consume alcohol at your establishment and/or allege that they were over-served at your establishment. It is important to note that rates of insurance will vary based on the type of business, location, amount of sales and business history.
Common Social or Private Club Insurance Claims
Examples of common social or private club insurance claim to illustrate the need for this insurance coverage;
- An intoxicated patron trips and falls down a flight of stairs at your establishment and injures themselves.
- A patron consumes alcohol at your establishment, and on the way home is involved in an at-fault car collision to which alcohol was a contributing factor.
For A Social or Private Club Insurance Coverage Overview And/Or More Information On Common Social or Private Club Insurance Claims Speak To An ALIGNED Insurance Advocate Or Connect With Us Today.
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