Nightclub & Bars F.A.Q.
Q. I am interested in opening up a nightclub and bar what liabilities will I need?
Coverage’s are dictated by lease agreement, however suggested liabilities are general liability, liquor liability, betterments and improvements liability, building liability, loss of income liability, workers compensation liability, and money and securities liability. Click here to see coverage definitions.
Q. What can I get from CSI that I can’t get from my current broker?
A. CSI specializes in insuring nightclubs, bars, and restaurants, and others might not have access to the cost-effective programs that CSI does. They don’t have the market negotiating “clout” that CSI has; and they usually cannot provide the staff expertise that CSI has developed over 16+ years. At CSI we pride ourselves knowing that our entire staff has entertainment backgrounds; managed platinum recording artist’s, produced charity concerts all over the world, run live music venues, and managed numerous restaurants. (Meet our staff here.)
Q. How can I get NI’s advantages without sacrificing personal attention from an agent in my area?
A. At AI we have structured our company so that there is always an account executive nearby who is well-trained and knows you personally, either by phone or email 24 hours a day, 7 days a week. The individual you work with initially and get to know stays with you, always available and ready to provide personal attention when you need it.
Q. Can I really lower the cost of my insurance?
A. Yes—in two ways. First, CSI will design the right program for your individual insurance needs and make sure we get the most competitive pricing possible. Then, once you’re an CSI client, we will work with you on loss control and claims management to keep future premiums down.
Q. Can I get all the coverage’s I need through CSI?
A. Yes. We provide the full range of products: Property and Liability packages; Workers’ Compensation; Employment Practices Liability; Umbrella liability; Auto; Crime; Garage keeper’s Liability (valet parking); and whatever other protection is needed for the exposures your business faces.
Q. Can CSI handle multi-location or multi-state operations?
A. Most definitely. We have people on board at CSI who have considerable experience in arranging coverage for larger, more complex accounts. They are knowledgeable in applying sophisticated risk management techniques to achieve your desired solutions.
Q. How will I know if CSI is really better than what I already have?
A. We’ll do a complete proposal and a side by side comparison, pointing out where our program differs from what you have to make sure that you receive the best possible rate in the market. Then, you can be the judge on which program is better! We also take special care to ensure that the transition to CSI is easy and problem-free.
Q. How can I get started?
A. The easiest way to get started is to complete the brief questionnaire in the “Quote Request” section of this website. This step is quick, free, and does not obligate you in any way. If you prefer, you can also contact us at 214.749.7700 or toll free at 1.800.204.1523.
Have a question for CSI? Please contact us.