Top things to cover
Food % vs. Alcohol %
Entertainment such as karaoke, dancing, music, etc.
Catering
Delivering
Bouncers
Capacity of bar
Photos
Plenty of interior photos to cover all operations
Bathroom (for liability exposure)
Dance floor, games, pool tables, etc.
Inspection PrepÂ
Online search for website or social media to verify advertised vs. actual operations
Here is a checklist for doing an insurance property inspection on a bar and nightclub:
Property information: Collect information about the bar and nightclub, including the address, the size of the establishment, and the type of entertainment provided.
Access: Determine the accessibility of the establishment, including the type and condition of the entryways, walkways, and parking areas.
Building structure: Inspect the condition of the building structure, including the foundation, roof, walls, and windows, looking for signs of damage, wear, or deterioration.
Fire safety: Check for smoke detectors and fire extinguishers on each floor, as well as the availability of fire hydrants and access for emergency vehicles. Bars and nightclubs pose additional fire risks due to the presence of flammable liquids, such as alcohol, and the use of open flames or pyrotechnics during performances.
Hazardous materials: Assess the storage and handling of hazardous materials, such as cleaning supplies and kitchen chemicals, ensuring that they are properly labeled and stored in designated areas.
Electrical safety: Check the condition of electrical equipment, looking for damaged cords or other hazards, and verify that electrical outlets and switches are properly rated for the equipment they serve.
Plumbing: Check the condition of plumbing systems, looking for leaks or other issues that could cause water damage or pose a safety risk to patrons.
Security: Evaluate the security measures in place, including the presence of security cameras, lighting, and security personnel, and check the condition of door locks and other security features.
Alcohol service: Check that the establishment has a liquor license, and evaluate the procedures in place for serving alcohol, such as checking IDs and monitoring patron behavior to prevent over-serving.
Entertainment: Evaluate the safety measures in place for live entertainment, such as ensuring that stages and equipment are properly set up and secured, and that performers are trained in safety procedures.
Capacity: Verify that the establishment is not exceeding its capacity limits, and evaluate the adequacy of emergency exits and egress routes in case of an emergency.
Liability risks: Identify any potential liability risks, such as slippery floors, uneven pavement, or other hazards that could pose a risk to patrons or visitors.
Once the inspection is complete, compile a report detailing your findings and any recommendations for improvements or repairs to help mitigate risks and ensure that the bar and nightclub is adequately protected by insurance.