• Real Experts

    To many, insurance is just a piece of paper and a necessary evil, however given the various exposures in your industry, insurance is a vital component to your business' success.

  • Real Coverage

    Some insurance companies may use manuscript policy forms to limit how coverage applies. Be sure to review your coverage forms as not all policy forms are the same.

  • One Fight. One Claim.

    One fight can put you out of business. That is, unless you have the right coverage. Don't wait until you have a claim to ensure that you are properly covered.

  • We've Got You Covered

    Aside from competitive premiums, our Team offers a myriad of services that can help reduce your overall risk and save you on your premiums in the coming years.

By A Web Design

nightlifeins

Real Coverage.  Real Experts.

nightlifeINS is a leading, full-service insurance agency headquartered in New York City.  With over 30 years' combined experience, the company has grown substantially as a reputable firm within and niche insurance agency within the hospitality industry.  Since inception, the insurance specialists at nightlifeINS have served clients with exceptional knowledge, experience, and extraordinary customer service.  Today, we have gained recognition among major insurance carriers which enables our clients to receive the most comprehensive and cost effective insurance products available.

When choosing an insurance provider, it is imperative that you are buying REAL COVERAGE and dealing with REAL EXPERTS.  NightlifeINS knows the specific industry coverage that you need.  Our insurance practice consists of individuals with a high degree of expertise and focus in your industry.   Our committment is to offer exceptional insurance solutions anchored by experience and knowledge.  Beyond competitive premiums, we bring a company culture that believes in providing you superior service by going the extra mile.  We strive to do all that we can to win your business and earn your trust.

It's what happens after you get your policy that makes the difference.

NightlifeINS specializes in providing risk management and insurance coverage tailored to the hospitality industry, including nightclubs, bars, lounges, etc.  With our roots in New York City, we were there to support the nightlife industry and have worked with many large hospitality industry clients from their humble beginnings.  We have an understanding of your business that allows us to better serve your insurance needs and deliver custom-tailored insurance products to safeguard your assets.

 

Our services include:

  • Coverage Assessment
    • Our team will also prepare an easy-to-understand summary of your insurance coverages and provide ongoing comprehensive exposure analyses.  As long as you have the right coverage, your assets, investments, and your time are adequately protected.  To make sure you have the right coverage that you need, we review your existing portfolio upon each policy's renewal with these questions in mind:
      • Are there weaknesses in coverage that leave you and your assets vulnerable?
      • Does your current level of asset protection reflect your current exposure?
      • Are there opportunities to broaden coverage without necessarily increasing your premiums?
  • Claims Assistance
    • We understand the anguish a loss or a claim can cause, so we go the extra mile to take the weight off your shoulders.  Our Claims Specialists make sure your claim, large or small, is handled quickly and efficiently so that you can avoid further losses of assets and time.  Our Claims staff is professional, courteous, and at your side from the moment you make a claim to its settlement.  And because we carry weight with insurers and claims adjusters thanks to our large volume of business with them, your claim will be settled quickly and fairly.  For your convenience, our Claims Department is available extended hours.  But the best time to talk about coverage is before filing a claim is necessary.  The Claims Department is available to discuss claim-related issues.  Not sure if you are covered?  Is a particular claim worth being reported?  Do new circumstances need to be reported?  We're here to answer your questions.
  • Policy Audit Assistance
    • When insurance carriers audit Workers Compensation or General Liability / Liquor Liability policies at the end of the policy term, being prepared can make all the difference in your premium adjustment.  NightlifeINS knows exactly what the auditors are looking for, and can help you avoid overcharges, which are difficult to undo after the audit materials are submitted.  At your request, our team reviews your payroll records, sales records -- anything that the auditor may require -- to make sure that you pay the lowest premium for your coverage.
  • Risk Management and Loss Control
    • Insuring your assets in the event of loss is only part of the picture.  NightlifeINS is proactive in helping you reduce the risk of loss in the first place.  Our Risk Management consultants help businessowners quantify and measure risk exposure while offering practical recommendations to help build our clients' overall risk strategy.  Our extensive experience in developing and inmplementing Risk Management solutions covers the full spectrum from operations to strategic issues, including compliance with local governance requirements, risk management in business planning, and developing risk implementation processes.  Our team can assist with the design and implementation of disaster plans, safety plans, and training for your staff.  We have industry partners that offer the most comprehensive security and liquor prevention training available.

By A Web Design

INDUSTRY NEWS

Indemnity Insurance Corporation, a Risk Retention Group providing liability insurance coverage to the hospitality industry, was subject to a downgrade by AM Best following a confidential seizure of the company by State of Delaware insurance regulators.  Indemnity now faces liquidation.  more