Entertainment businesses such as bars, comedy clubs and dance halls are subject to a variety of accidents and problems. For this reason, you need entertainment business insurance to protect you and your business from losses associated with hospital bills and legal fees. Here are three reasons you need this type of insurance.
Overdoses
Guests or performers may take drugs or consume too much alcohol at the club. Overdoses can happen quite easily, especially when substances are mixed. In case a patron or performer overdoses and has to go to the hospital, an insurance policy with cover the associated expenses.
Drunken Fights
Entertainment businesses are supposed to be fun, but sometimes things go sour. Patrons may get into physical fights, especially if alcohol or drugs are involved, and injuries can occur. When this happens, you may be held legally responsible for damages.
Trips and Falls
A club or bar may have trip hazards in the form of microphone cables or other stage equipment. A performer or guest might trip on these cables and break a wrist. An insurance policy can cover the hospital bills associated with the injury.
Entertainment businesses can host a variety of issues that can lead to injuries and lawsuits. For this reason, it is important to have entertainment business insurance.