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: Live Music Clubs, Late nightClubs, Clubs with Dance floors, and many other great spots across the Midwest.Many clubs featured in Club Systems Magazine and Nightclub & Bar Magazine.
AVAILABLE COVERAGES
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Comprehensive Coverage
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General liability with limits up to $5,000,000
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Property: building; contents; tenant improvements; loss of income
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Liquor liability Non-owned / hired auto
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Assault & Battery Umbrella/Excess Liability
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Workers compensation / Accidental Injury
Rodney 4 insurance has been designed to provide easy access to information and applications for the Night Club owner.
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.
DEFINITION OF COVERAGE
GENERAL LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit orclaim 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 whichwas 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 COVERAGELIQUOR LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit orclaim involving bodily injury or property damage on and off premise resulting from patrons of your establishment that wereserved alcohol.
ASSAULT & BATTERY: Coverage for third party liability claims arising out of any assault or battery. Coverage is patron to patron oremployee to patron.
HIRED/NON-OWNED VEHICLE LIABILITY: Provides contingent excess liability for Hired (rented) vehicles and non-ownedvehicles (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 independentcontractors, 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 typicallynot 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 coveredperil, during a specified period of restoration.
ACCIDENTAL MEDICAL: Provides medical reimbursement expense for accidental injury; Employees, Spectators, Participants,Volunteers, and Performers may be insured.
