Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--with Tables--with Dance Floor: Table Service

What Does GL Code 16920 Cover?

ISO GL class code 16920 specifically covers restaurants where the sale of alcoholic beverages constitutes 75% or more of total annual receipts, featuring table service and a dance floor. This classification is designed for establishments with a significant entertainment component and higher alcohol sales, which inherently increases their general liability exposure due to extended hours, potential for altercations, and premises liability related to dancing. It categorizes operations that combine dining, beverage service, and entertainment under one comprehensive general liability framework.

Who Uses This Class Code?

This code applies to establishments such as nightclubs with full dining options, upscale bars that offer extensive table service and a dance area, and entertainment venues where food and high-volume alcohol sales are primary revenue streams alongside live music or DJ performances. Specific examples include large-scale dinner clubs, supper clubs with integrated dance floors, and high-end lounges that feature both table service and a dedicated space for dancing.

Common GL Claims for This Class

Common claims for this business type include slip-and-fall incidents on the dance floor or in crowded areas, assault and battery claims stemming from altercations between patrons, and liquor liability claims arising from over-serving intoxicated individuals who subsequently cause harm to themselves or others.

Coverage Tips for Code 16920

• Ensure your General Liability policy includes robust Liquor Liability coverage, as the high percentage of alcohol sales and presence of a dance floor significantly increase exposure to claims arising from intoxication or altercations.
• Carefully review your policy for any Assault & Battery exclusions, as these are common in establishments with dance floors and high alcohol sales; seek endorsements to buy back coverage if necessary.
• Implement strict maintenance protocols for your dance floor and surrounding areas to prevent slip-and-fall claims, and ensure your GL policy adequately covers premises liability risks associated with entertainment.
• Verify your Florida Division of Alcoholic Beverages and Tobacco (ABT) license is current and that all staff serving alcohol are properly trained and certified, as non-compliance can lead to significant liability issues and policy implications.