In today’s competitive environment for restaurants, bars, and taverns (RBT), outdoor space has become a business prerequisite. Whether it’s a porch, patio, deck, sidewalk cafe, or even a beer garden, customers increasingly expect the option of dining and socializing outside. With this expansion beyond the physical building comes additional costs and responsibilities to the owner. An insurance agent experienced with the hospitality industry can be an invaluable resource when evaluating these increased exposures.
Profound changes have taken place in society and in the hospitality marketplace. The consequences to being charged as a visibly intoxicated person are more substantial than ever. While compassion for addiction and mental illness might give some relief to the individual involved, the legal and social repercussions to the establishment that allegedly served them are potentially catastrophic. That’s why liquor liability insurance, as part of a program with comprehensive general liability, both written with the same A rated or better carrier, is essential for any responsible operator.
No restaurant, bar or tavern wants to pay a dollar more in insurance premiums than they have to. Smart brokers know the programs and strategies that deliver savings. Here are a few of their secrets:
Patriot National Hospitality recently sent out an email campaign to our agents in the Southeast Region. We were trying to cut through the normal Internet clutter with this marketing communication, so our email campaign used a musical theme. While preparing it, we were surprised to realize the number of songs that have been written about Georgia.