Dance Halls, Ballrooms or Discotheques--Other Than Not-For-Profit

What Does GL Code 11273 Cover?

ISO GL class code 11273 covers establishments primarily engaged in operating dance halls, ballrooms, or discotheques that are not-for-profit. This code specifically classifies businesses that provide facilities for dancing and entertainment, often including music, lighting, and sometimes beverage service, focusing on the unique risks associated with public gatherings and entertainment venues. It is used to categorize the general liability exposures arising from premises, operations, and products/completed operations for these types of commercial entertainment businesses.

Who Uses This Class Code?

This code applies to commercial entities such as large dance clubs, independent discotheques, private ballrooms hosting public events, and other venues where dancing is the primary activity. Specific businesses include popular nightclubs with dance floors, event spaces primarily rented for dances, and establishments offering live music with dedicated dancing areas.

Common GL Claims for This Class

Common claims include slip-and-fall incidents on crowded or wet dance floors, altercations between patrons leading to injuries, and claims related to inadequate security or supervision.

Coverage Tips for Code 11273

• Ensure your policy includes adequate assault and battery coverage, as these venues have a higher risk of incidents involving patrons.
• Verify that your general liability policy extends to cover liquor liability if you serve alcohol, as this is a significant exposure for dance halls and discotheques.
• Implement strict security protocols and ensure your policy acknowledges these measures, as inadequate security can lead to coverage disputes in the event of a claim.
• Be aware of Florida's specific regulations regarding noise ordinances and occupancy limits, as violations can lead to fines and increased liability exposure.