San Francisco’s nightclubs have been the influential incubators of nascent American Music movements for decades, spanning from the Fillmore Jazz District in the 1940s, to Bill Graham’s 1960s Empire, and from the Metallic Broadway of the 1980s, to the rave scene and Noisepop of the 90s, continuing on to the musical trends of today. The Bay Area celebrates innovative bartenders as mixological magicians. Barkeeps today formulate their own bitters and tinctures, putting a personal stamp on cocktails with origins in prohibition era speakeasies. Not only are San Francisco’s nightclubs, bars, and taverns rich in legendary musical and gastronomical culture, they are also just plain fun.
Bay Area nightclubs today are under increased scrutiny and pressure from citizens and city government due to recent incidents involving violence and weapons. Such incidents are a growing magnet for lawsuits from injured patrons and other aggrieved parties. As a result, obtaining general liability insurance for bars and nightclubs has become more difficult, and more costly. Such conditions have led to many nightclub and tavern owners to operate without Assault and Battery coverage, the core of nightclub insurance coverage, in order to save money. This is a grave mistake which can result in losing the business altogether. Instead, let Mill Valley Insurance help you manage the risk of owning and running a nightclub, bar or tavern.
The workers compensation insurance market can be perplexing for bar and nightclub proprietors. Since a limited number of carriers are willing to offer coverage in California, owners may conclude that the State Fund is the only market available to them. Benefiting from our history and expertise insuring bars and clubs, Mill Valley Insurance knows otherwise. We provide our clients with proposals from a number of suitable carriers. Furthermore, Mill Valley helps bar and club owners control work related losses by advising them of carrier recommendations and managing the claims process through recovery and return to work.