Ideal Accounts and Appetite
This program targets a wide range of entertainment establishments, including:
- Taverns, local bars, sports bars, pubs, and lounges
- Nightclubs and adult entertainment clubs
- Live music venues and piano bars
- Comedy clubs and other live performance spaces
These types of businesses often face complex liability exposures that require coverage beyond standard policies. If you have clients in these sectors, especially those hosting live events or serving alcohol, this program is built to meet their needs.
Coverage Highlights and Advantages
- General Liability
- Liquor Liability Coverage
- Assault & Battery Coverage
- Products & Completed Operations
- Excess Liability available up to $5,000,000,000
This comprehensive suite of coverages is especially important for venues with alcohol sales, bouncers or security staff, and high foot traffic. The assault and battery and liquor liability options are essential for mitigating high-exposure claims and common incidents in nightlife settings.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk characteristics, location, and coverage limits. The program is written on a non-admitted basis through various carriers, allowing for customized underwriting and flexible solutions based on each account’s specific needs.
Underwriting considerations may include but are not limited to: security measures, hours of operation, entertainment type, claims history, and alcohol sales percentage. Submissions with strong management practices and proactive risk controls are preferred.
Territories and Availability
This Entertainment Insurance Program is available in most states, including but not limited to FL, TX, CA, GA, NY, and IL. Advanced E&S Group writes in all 50 states plus Washington, DC, making this program accessible to agents and brokers nationwide seeking a reliable solution for nightlife and entertainment clients.
Why Work With Advanced E&S Group?
As a Managing General Agency with deep expertise in high-hazard and specialty classes, Advanced E&S Group brings tailored underwriting and market access to agents placing entertainment-related risks. Their team understands the risks involved in nightlife and live performance venues and offers flexible solutions that respond to the real-world challenges your clients face.
Whether you're helping a new comedy club secure its first policy or assisting an established nightclub with excess liability needs, Advanced E&S Group provides the tools and market access to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include bars, nightclubs, live music venues, comedy clubs, lounges, and adult entertainment establishments.
Is liquor liability included in the coverage?
Yes, liquor liability is included and is a key component of the program, especially for venues that serve alcohol.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, DC, subject to underwriting approval.
Can this program accommodate businesses with prior claims?
Yes, submissions with prior claims can be considered. Strong risk management practices and recent improvements will be evaluated during underwriting.
What is the minimum premium for this program?
The minimum premium varies based on risk factors such as location, size, and type of entertainment offered.
Need help placing an account? Connect with a market specialist.