As this nightclub owner said, liquor control is very important, but this is among the many liability exposures that a nightclub takes on.  What most nightclub owners don't know, especially those just starting out, is that Assault & Battery is your main exposure.  If two club patrons get in a brawl, you can expect a lawsuit -- lawyers will pin negligence on the club for not providing proper security, etc. Even though you may take every precaution to prevent liquor-related or Assault & Battery-related claims, they still happen.  Like this owner had said, you want your "business taken care of".  You must make sure that your insurance policy includes LIQUOR LIABILITY and ASSAULT & BATTERY coverages. 

Submitted by Brad Sharon, Marketing Director of Fairmont Insurance, nightlife insurance experts.  Contact me at brads@fairmontins.com or (800)379-0019.