Commercial Lines/Night Clubs
Liquor liability is not available. Includes $25,000/$50,000 Assault & Battery coverage. Nightclubs: These types of businesses are open at least two times a week, generally on weekends, and could be open more often. Most of these establishments are open later in the evening. Entertainment is the featured attraction, and generally includes patron participation. Often referred to as a “dance club”, these types of establishments are for people to meet, drink and dance or listen to live music or a DJ. There may or may not be a cover charge to enter. Sale of alcoholic beverages is the chief source of revenue, with liquor sales over 25% of total revenues. Food service is limited. Adult Clubs: These cater to an adult crowd and feature exotic dancing as the main attraction. These establishments may or may not have food or liquor service. Normally, a cover or admission charge is used. Clubs: These establishments are open at least twice a week, and may be open more often. They provide some form of regularly scheduled entertainment, which does not usually include patron participation, even though it may. Food can account for a substantial part of the revenue sales. A cover charge may apply or tickets may be sold either in advance or at the door. These types of establishments can include Comedy Clubs, Dinner Theaters, Magic Shows, etc.
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