At Baldinger Insurance, we understand the unique challenges and risks faced by adult clubs, strip clubs, and gentlemen's clubs. Our specialized policies provide essential protections, including coverage for assault and battery incidents, liquor liability, property insurance, and more. With us, you can focus on providing a safe and enjoyable environment for your patrons, knowing that we've got you covered. Trust in our expertise to provide top-notch insurance solutions tailored specifically for adult entertainment venues. Explore our range of coverage options today to secure the future of your establishment with confidence.
ADULT CLUB INSURANCE
COVERAGE OVERVIEW
General Liability
General liability insurance is vital for adult club owners, safeguarding against claims of bodily injury, property damage, and personal harm. It covers incidents like slip-and-fall accidents, property damage, and potential legal challenges such as defamation lawsuits.
Property
Property insurance is crucial for nightlife establishments, providing essential protection for physical assets like buildings, equipment, and inventory. This coverage safeguards against risks such as fire, theft, and vandalism.
Liquor Liability
Liquor liability coverage is essential for adult clubs, protecting against risks associated with serving alcohol. It shields establishments from liabilities stemming from incidents involving intoxicated patrons, including accidents, injuries, and property damage.
Business Income
Business Income coverage, operating on an Actual Loss Sustained (ALS) basis, is vital for safeguarding against income loss resulting from covered perils. This protection ensures financial stability by reimbursing for lost income and expenses during the restoration period following events such as fire or storm damage.
Assault and Battery
Assault and battery coverage is a specialized insurance essential for adult clubs, crafted to shield businesses from liabilities arising from violent incidents on their premises. It provides financial protection against claims related to physical altercations, fights, or assaults within the establishment.
Umbrella
Umbrella coverage supplements a primary insurance policy, providing extra protection beyond standard liability coverage. It offers added financial security against catastrophic events and high-dollar claims that may exceed the limits of the primary policy.
Liquor Liability Coverage: $1 million per occurrence and $2 million aggregate
Assault and Battery Coverage: Limits up to $300,000, with an option to increase to $1 million for eligible accounts with a $25,000 self-insured retention (SIR)
Adult Clubs (No Alcohol Service):
Minimum premium of $15,000 for General Liability
Deductibles starting at $5,000
Adult Clubs (With Alcohol Service):
Minimum premium of $25,000 for General Liability/Liquor Liability
Deductibles starting at $5,000
Nationwide Availability: except for Alaska, D.C., Hawaii, Pennsylvania, South Carolina, and West Virginia
Financial Stability: Rest assured with a carrier Best rating of A- IX, ensuring financial stability and reliability
Minimum Receipt Basis: $500,000
