Chicago Bar and Tavern Insurance

Rodney Nars, Producer representing G.A. Crandall & Co., Inc. Which is an independent insurance agency providing coverage for a variety of client needs. Our Agency has access to dozens of insurance underwriters. I can help package coverage specifically for each client while offering the most competitive Terms and Conditions of Coverage available.

Over the past 30 years Rodney Nars ,has placed insurance coverage for a multitude of hospitality companies including: sports bars, neighborhood bars, taverns, beer & burger joints, and many other great spots.

Rodney 4 insurance has been designed to provide easy access to information and applications for the Bar/Tavern owner.

Available Coverage's

Comprehensive Coverage
General liability with limits up to $5,000,000
Property: building; contents; tenant improvements; loss of income
Liquor liability
Non-owned / hired auto
Assault & Battery
Umbrella/Excess Liability Workers compensation / Accidental Injury

Please check your specific proposal of Coverage Outline. These definitions are listed for discussion only, and your coverage maybe different. Please ask if you have questions.

Definitions of Coverage:

Standard Coverage:

STANDARD COVERAGE GENERAL LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving accidental bodily injury or property damage on the insured's premise during the normal course of business .Typically this includes legal defense cost.

PROPERTY/CONTENTS: Will pay for direct physical loss of damage to covered unattached physical items such as tables, chairs, inventory, etc. located at the insured's premises, and caused by or resulting from any covered causes of loss, such as Fire, Theft,Windstorm, etc.

PROPERTY/TENANT IMPROVEMENT: Will pay for direct physical loss or damage to covered attached physical property which was originally paid for by the tenant.

PROPERTY/BUILDING: Will pay for direct physical loss or damage to a covered building from a covered peril such as Fire, Theft,Windstorm, etc.

OPTIONAL COVERAGE LIQUOR LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving bodily injury or property damage on and off premise resulting from patrons of your establishment that were served alcohol.

ASSAULT & BATTERY: Coverage for third party liability claims arising out of any assault or battery. Coverage is patron to patron or employee to patron.

HIRED/NON-OWNED VEHICLE LIABILITY: Provides contingent excess liability for Hired (rented) vehicles and non-owned vehicles (vehicles owned by employees and driven for company business.) Limits are the same as the General Liability policy.

GLASS: Coverage provided for broken or damaged glass windows and doors. Glass is not covered under a typical Property/Building policy unless items are specifically listed.

WORKERS' COMPENSATION: Can be required by state law. Provides coverage for your employees and other independent contractors, if they are injured on the job.

MONEY & SECURITIES: Theft of money & securities by holdup or theft. Coverage is on and off premise. Cash money is typically not covered under your Property/Content policy.

LOSS OF EARNINGS: Will pay for the actual losses sustained due to the necessary suspension of your operations from a covered peril, during a specified period of restoration.

ACCIDENTAL MEDICAL: Provides medical reimbursement expense for accidental injury; Employees, Spectators, Participants, Volunteers, and Performers may be insured.

APPLICATION:
For access to our stable of Companies please follow the steps below:

First email info to see if our programs are available in your state.
Email: Rodney@Rodney4Insurance.com.
If confirmed please follow the steps below to receive a quote. Process usually takes 7-10 days unless needed sooner. We have been able to turn quotes around in 24 hrs but this limits us to the number of carriers we can quote with.

Include 3 years currently valued loss histories. To obtain these: Contact your agent/broker. Fax and Call your current Carrier.We can email you a sample letter that you can copy on your letter head that you can fax to the afore mentioned outlets. Include photos of the front , back, interior, kitchen if applicable.