Anyone managing a hospitality business, particularly one that serves alcohol, knows that a business address comes with a side serving of risk.

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A patron slips and falls in the parking lot. Two customers exchange fighting words and bystanders get hurt. A broken water main leaves you with a sodden kitchen.

With risks like these in mind, EverGuard underwrites policies customized for a variety of hospitality businesses, including:

  • restaurants
  • bars, pubs and taverns
  • nightclubs
  • brewpubs
  • casinos
  • adult entertainment venues (gentlemen's clubs; ladies' cabarets) 
  • sports bars

Minimizing Losses and Risk

At EverGuard, we don’t just underwrite insurance coverage and process claims. We help business owners control losses and reduce risk.

On-site visits allow our representatives to evaluate establishments for everything from safety features to compliance with best practices. And through our electronic newsletter and blog, we offer easy-to-implement tips and handy checklists that will help you protect your business from calamity and keep your insurance costs down.

Sign up today for our newsletter—and for the sanity-saving advice that comes with every issue.

And let us know what information you need from us.

Click here for a copy of the Incident Report Form and here for the instructions for completing the form.

What to Expect: A Seamless Claims Process

The EverGuard team takes pride in processing claims efficiently and promptly. To ensure speedy responses, we’ve developed state-of-the-art automated systems that capture and store all the necessary data.

But the claims process requires diligence from all the parties involved. As the owner of a hospitality enterprise, you can make the whole process go more smoothly if you take the following steps:

  • Report any incidents to your agent or to your EverGuard representative immediately—even if you doubt it will result in a claim. We can then advise you on next steps.
  • Gather information promptly and thoroughly.
  • Take photos of damaged property.
  • Collect statements and contact information from witnesses.
  • Create a paper trail—because your memory will not suffice.
  • Leave the rest to us. We’ll keep you up-to-date on what happens next and when.