Benefits of Bar Insurance for Outdoor Areas

Benefits of Bar Insurance for Outdoor Areas

When is outdoor dining not outdoors?

As a means of extending the outdoor eating season during the pandemic, restaurants are installing temporary shelters to keep their doors open. Yurts, plastic pods, greenhouses, huts, and tents are springing up as eateries strive to provide excellent service while reducing exposure to COVID-19 spores and other contaminants.

The use of these structures without suitable safety safeguards and enough protection for consumers and personnel might result in unanticipated legal and safety ramifications for the company.

In order to set up temporary accommodations at your venue, you need to confer with the appropriate authorities, as well as your attorney and insurance agent.

Take precautions. Owners of bars, pubs, and taverns must make certain that their liquor liability insurance plans cover events and claim exposures that occur off-premises. Many liquor liability insurance policies only cover occurrences that occur on the grounds of the bar or restaurant where the insurance is purchased. When it comes to beverage delivery, insurance coverage may be limited or denied if the incident takes place on a neighbouring patio, sidewalk, or DORA (Designated Outdoor Refreshment Area).

 

BOP COVERAGE

According to the Insurance Information Institute, a business owner's policy (BOP) often helps safeguard your company's physical facility as well as the furniture and other objects included within it. According to the American Institute of CPAs, you may also be protected if your company's property (such as furniture or artwork) is stolen or destroyed within 100 feet of your company's premises (in a car or shared lobby, for instance) (AICPA).

Certain business interruption policies (BOPs) provide a minimal level of outside property coverage, while others may not. Make sure to review your insurance policy and speak with your agent about whether you require more coverage or not.

Outdoor weather-related dangers, such as a storm that causes a huge tree to fall on your office roof and cause damage, would most certainly be covered by your BOP policy.

 

ADDITIONAL COVERAGE

You may want to consider additional coverage for your business in some outside conditions, though. Here are a few examples. Here are a few illustrations:

 

·                     An external sign that is not linked to your building is displayed in front of your business. Additional insurance coverages to consider: Outdoor advertising, mechanical failure

·                     You have external fences, antennas, or satellite dishes that would be more expensive to repair or replace than your typical BOP covers, which you would like to keep. Additional coverages to consider include outside property, mechanical failure, and liability.

·                     Frequently, you transport firm equipment away from the office, such as pricey lighting to music festivals or catering supplies to outdoor wedding receptions. Extra insurance coverage to consider property in transit and off-premises liability insurance.

·                     Should any of your landscaping be destroyed or vandalised, it would be extremely expensive to repair the trees, shrubs, potted plants, and rockwork that you have invested so much time and money in. Additional coverage to take into consideration: outdoor property

·                     Your organization makes extensive use of outside tables, chairs, heaters/lights, and other equipment regularly.

·                     Additional coverage to take into consideration: outdoor property

 

KEL Insurance

KEL Insurance had its start in the Nightlife & Hospitality Industry in New York City. The Nightlife Industry continues to be one of the most challenging industries in which to get quality insurance, and we happen to be experts at finding it for our clients in this industry.

Our Standard Package Policy consists of the following items: General Liability, Liquor Liability, Assault & Battery, and Comprehensive Property Enhancement.

Lars KristiansenComment