Restaurants--with Sale of Alcoholic Beverages 30%–75% of Total Annual Receipts--with Dance Floor

What Does GL Code 16915 Cover?

ISO GL class code 16915 classifies restaurants where the sale of alcoholic beverages constitutes 30% or more, but less than 75%, of their total annual receipts, and which also feature a dance floor. This code specifically targets establishments that blend dining with significant alcohol sales and entertainment, reflecting the increased liability exposures associated with such operations.

Who Uses This Class Code?

This code applies to various restaurant types that offer both substantial alcohol sales and a dance floor, such as casual dining restaurants with a bar and live music, supper clubs, and establishments that transition from dinner service to a late-night entertainment venue.

Common GL Claims for This Class

Common GL claims include slip-and-fall incidents on the dance floor, altercations or assaults related to intoxicated patrons, and liquor liability claims stemming from over-serving guests who subsequently cause harm to themselves or others.

Coverage Tips for Code 16915

• Ensure your liquor liability coverage limits are adequate, as incidents involving intoxicated patrons are a primary exposure for establishments with dance floors and significant alcohol sales.
• Verify compliance with Florida's Department of Business and Professional Regulation (DBPR) licensing requirements for alcohol sales and entertainment, as non-compliance can void coverage.
• Implement strict security protocols and staff training for crowd control and responsible alcohol service to mitigate risks associated with dance floors and late-night operations.
• Review your policy for exclusions related to assault and battery, as these claims are common in venues with high alcohol consumption and can lead to significant uninsured losses if not properly addressed.