Sports bars are known for being high energy environments where sports fans come together to cheer on their team. Victories are sweeter and losses are felt more deeply when they are experienced alongside large groups of like-minded individuals. While this sense of brotherhood is most often a positive connection between guests, the heightened emotions and usually harmless banter between opponents can sometimes turn sour. Even without any kind of altercation, excitement and alcohol could make accidents more likely and put an establishment at risk of claims by involved customers. It is critical to have the right protections in place, so managers and patrons alike can enjoy the atmosphere that draws people together at the sports bar.
Components of Comprehensive Sports Bar Insurance
Because so many incidents are possible in a sports bar environment, it is important for owners and managers to make sure they have the right kinds of coverage. The liability experts at RMS Hospitality Group affirm that there are five main elements of coverage a sports bar should have:
- General liability
- Excess liability
- Liquor liability
- Assault & battery
- Products & completed operations
With an insurance policy that includes these types of coverage, you can put your mind at ease and be confident that you are protected from claims that may be the result of enthusiastic fans that take things a bit too far.