Drinking places sell alcoholic beverages that are consumed on the premises. Many conduct incidental food sales, such as snacks or sandwiches, but the predominant operation is the sale of alcoholic beverages. Other exposures may include music, entertainment, various Florida promotions, and contests. Some may have small dance areas.
Are from any cooking operations that are conducted on the premises. There is the added exposure of the damage ability of alcoholic beverages to heat and smoke. A small fire can become a total loss if the FDA condemns the contents due to potential contamination. In Florida, theft is a major concern in bars and taverns due to the attractive nature of the products. Most bars and taverns continue to permit customer and employee smoking. The proper disposal of cigarettes butts as part of the closing procedure is vital.
Business income with extended time period should be a must for any bar owner. Clientele tends to be fairly loyal but will switch after a major loss. There will be a lag time between the re-opening and the return to full operations.
Are always substantial at a bar due to the cash and the alcohol and cigarettes. Employee dishonesty normally centers on the stock rather than the money. The sale of lottery ticket or other gambling devices presents another major temptation for employees. Florida bars tend to have significant cash sales so cash drawers should be regularly stripped and placed in a safe away from the front of the store. Irregular drops during busy evenings are helpful. Closing time is the most vulnerable time so procedures should be in place to prevent holdups.
Exposures range from the simple spilled drink to the bouncer escorting a patron out of the premises. Since lighting is normally subdued, the insured must mark any change of elevation carefully, and all fire exits must be plainly visible from any part of the premises. There should be a set procedure for rapid clean-up of spills. Chairs, particularly bar stools, should be regularly checked for cracks and fatigue. Any bouncer activity should be documented and witnessed in case of future lawsuits.
Claims can result in the loss of a liquor permit which will end the business; therefore, the insured should be extremely careful in this area. There must be a set procedure to check ages of all who enter the establishment. All employees who serve customers must be trained in recognizing signs of intoxication and a procedure should be in place to deny serving intoxicated Florida patrons.
Include those injuries associated with cooking, plus broken glass, scalding water, slip and falls, heavy lifting, rowdy customers and holdups.
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We are not aware of any State of Florida insurance requirements regarding opening a bar, but depending on the municipality where the bar will be located they can have many different requirements. Most commonly General Liability and/or Liquor Liability. We can work on a free quote for you if you complete our Bar Keepers Insurance.
We have helped customers all across the state of Florida. Below are some of the cities we have done business in.