Nightclubs, Cabarets and Comedy Clubs

What Does GL Code 15656 Cover?

ISO GL class code 15656 encompasses establishments primarily engaged in operating nightclubs, cabarets, and comedy clubs. This code specifically covers businesses that offer live entertainment, music, dancing, and often serve alcoholic beverages, classifying their general liability exposures based on gross receipts. It addresses the unique risks associated with late-night operations, crowd management, and entertainment-related activities.

Who Uses This Class Code?

This code applies to a variety of entertainment venues including nightclubs, dance clubs, comedy clubs, jazz clubs, and cabarets. Businesses such as live music venues with a significant bar component and establishments offering adult entertainment also fall under this classification.

Common GL Claims for This Class

Common general liability claims for nightclubs and cabarets include assault and battery incidents stemming from altercations between patrons or with security staff, slip and fall injuries on wet or crowded floors, and liquor liability claims arising from over-served patrons causing harm to themselves or others.

Coverage Tips for Code 15656

• Ensure adequate liquor liability coverage is in place, as alcohol-related incidents are a primary exposure for these venues.
• Implement robust security protocols and staff training for crowd control and managing unruly patrons to mitigate assault and battery claims.
• Verify that all performers and independent contractors carry their own general liability insurance and name your establishment as an additional insured.
• Regularly inspect premises for slip, trip, and fall hazards, especially in dimly lit areas or near dance floors, and maintain detailed incident reports.