Restaurants, Bars and Nightclubs
An exclusive program developed with you in mind.
Thorson’s experts understand the unique risks facing the hospitality industry and can help you develop a customized program to fit all of your individual business needs.
Catered to you
From natural disasters to kitchen fires, as the owner of a hospitality business, your property is exposed to a number of risks.
Commercial property insurance protects both the building you own or lease and your personal business property. At Thorson, we work with carriers that provide broad protection that is catered to fit your particular needs.
If an employee is injured on the job, your policy can help pay for the employee’s medical expenses, including those related to diagnosis, treatment and recovery.
Partial Lost Wages
Your coverage can help pay for a potion of the income the employee would have received had he or she not been injured.
ASSAULT AND BATTERY
If a fight breaks out between two or more of your customers or a customer accuses a member of your staff of using excessive force that causes physical injury, our carriers can provide coverage for medical expenses and legal fees.
Non-Physical Violence and Emotional Trauma
Assault and battery policies provide protection for claims arising from non-physical violence as well, including verbal threats and aggression, leering behavior and emotional trauma that results from witnessing a violent act.
Sexual Assault and Harassment
Additional coverage is available for sexual assault and harassment claims. This coverage can protect against claims of both physical and nonphysical sexual altercations. Our carriers may also help pay for legal fees and settlements associated with these cases.
Our carriers offer unparalleled protection for your business building. Whether your property is damaged by a natural disaster, an accident or a criminal act, your policy will provide coverage for the cost or repairing or reconstructing your building.
If your business’ personal property is stolen, damaged or destroyed, we will make sure you have the coverage you need to get back on your feet. Our carriers provide protection for a number of personal property items, including fixtures, furniture, inventory, supplies and equipment.
If a customer is injured on your property, your policy will cover medical expenses, legal defense fees and court-ordered judgements.
Damage to Customer Property
If an employee causes damage to a customer’s property, your policy may help pay for the cost of replacing the property, settlement amounts and legal fees.
General liability provides coverage for claims of libel, slander, defamation and invasion of privacy.
If you unintentionally copy the slogan of another business and are accused of copyright infringement, you will be covered.
Third-Party Bodily Injury
Don't let an intoxicated person affect your business
If a customer, who became intoxicated at your establishment, injures a third party, your policy can help pay for medical expenses.
Third-Party Property Damage
Your coverage can help pay for the cost of repairing or replacing property that is damaged by an individual who became intoxicated at your business.
Your policy can cover the costs to defend lawsuits arising from a legal liability claim, including court costs, attorney fees and settlements.