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Entertainment Risk

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Program Details -

Entertainment Risk


Entertainment Risk focuses exclusively on nightlife and entertainment.  A few insurers provide an insurance policy that is marketed toward the nightlife industry, only Entertainment Risk provides a policy tailored to the nightlife industry that includes a comprehensive suite of services. We focus on restaurants, bars, taverns, night clubs, live music, and adult entertainment venues. Most importantly, our proactive claims and risk management services are delivered by experienced individuals dedicated to serving the nightlife industry. Our extensive knowledge of this marketplace enables us to provide our customers with a competitive product tailored toward their business.

We will always focus on what really matters; The basics:

  • Great Service
  • Ease of Use
  • Honesty and Respect for our Customer's Time, Money and Trust

Time and again we see insureds with severe losses that have been passively handled by generalized claims and risk management practices leading to undesirable results. Our approach allows us to provide protection where liability is clear and strategically fight where negligence is absent. We want insureds to have a clear understanding of the cost of risk and to structure an insurance program that is most effective and cost efficient. This eases communication and strengthens the bond between us and the insureds.

At Entertainment Risk, we realize that every second counts, which is why we are available 24/7 to help brokers with their clients' needs, big or small. We pride ourselves on working with qualified brokers who take the time to explain to their clients the benefits of working with a partner who specializes in their class of business and understands their needs. At Entertainment Risk, we take great pride in the unquantifiable value of our extensive industry knowledge we deliver to our broker partners and clients, allowing them to benefit from our past experiences. We actively work with our partners to implement proactive risk management solutions in order to reduce the risk in an inherently risky industry, says.

As the market leader in providing risk transfer services to the nightlife industry, you can rest assured that by partnering with Entertainment Risk you are doing business with a company that thoroughly understands the nightlife sector. We will diligently work with you to procure the proper protections for your client and supplement those protections with a suite of services unparalleled in this industry.   
Risk Appetite:

  • Fine Dining, Dinner and Supper Theatre, and Casual Dining
  • Diners 
  • Chain Restaurants (Chili's, Applebee's, Outback) 
  • Mom & Pop Restaurants 
  • Ethnic or Themed Restaurants 


  • Sports Bar 
  • Tavern/ Local Neighborhood Establishments (Dive Bars)
  • Tiki/Beach Bar
  • Saloon
  • Beer Garden
  • Pool Hall
  • Lounge
  • Live Music Venues
  • Brew Pub
  • Cocktail Bar

Entertainment Venues:

  • Comedy Club
  • Nightclub
  • Gentlemen/Ladies Clubs
  • Live Music Venue
  • Mixed Exposure Mega Venue
  • Entertainment Center

Entertainment Risk is currently authorized to write business in AZ, CA, CO, FL, GA, IL, LA, MA, MD, MI, NJ, NV, NY, TN, TX, UT, and VA 

Coverages and Limits of Insurance Available:

  • General Aggregate Limit $2,000,000
  • Products-completed Operations Aggregate $2,000,000
  • Personal & Advertising Injury $1,000,000
  • Each Occurrence Limit $1,000,000
  • Liquor Liability Limit $1,000,000
  • Fire Damage Limit (any one fire) $500,000
  • Assault & Battery Available Up To $1,000,000
  • Employee Benefits Liability Up To $1,000,000
  • Hired/Non Owned Auto Liability Limit $1,000,000
  • Excess Liability $5,000,000
  • Commercial Property Coverage with Enhancement Endorsement
  • Workers Compensation

Locations Served : Arizona, California, Colorado, Florida, Georgia, Illinois, Louisiana, Massachusetts, Maryland, Michigan, New Jersey, Nevada, New York, Tennessee, Texas, Utah, Virginia