Entertainment changes how an underwriter sees a bar. A venue that adds weekly live music is no longer rated like a quiet tavern, and an undisclosed change can cause trouble at claim time or at your next audit.
What changes when you add entertainment:
Disclosure. Tell your broker before you start booking acts. Carriers price frequency, cover charges, and closing times, and a mismatch with the application can complicate a claim.
Performer contracts. Bands and DJs hired as contractors should provide certificates of insurance and add the bar as an additional insured on their liability policies.
Capacity and crowd control. Higher attendance increases slip-and-fall and fight exposure, and some carriers require additional security.
Equipment. Instruments and sound gear owned by performers are generally not covered by the bar’s property policy.
How Liberty structures your protection: We review your entertainment calendar with you, structure liability limits for the added crowd, and set up the contract and certificate requirements for the acts you book.