AVI Offers the Following Coverage Options:
For more details about any of the following, don't hesitate to call 1-800-773-7172 to speak to a Customer Service Representative.
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| Liability |
| Liability insurance is a part of the general insrance system of risk financing to protect the purchaser from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he is sued on types of claims that come within the policy. |
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| Full Assault and Battery |
| When alcohol is combined with people looking to have a good time you sometimes will get a “bad apple” of the group looking for trouble. Although that particular person will need to be responsible for their own personal actions a lawsuit can easily be filed against your establishment. That patron could also end up being the person filing a suit against your establishment. It may be your security guard/doorman/ID Checker that had to physically escort them out and while doing so they a suffered a physical injury. Or it may be that particular person starts a fight with another patron, who then files a suit for being assaulted. There are numerous other scenarios where Assault and Battery coverage comes into play. This coverage is generally always for patron to patron and employee to patron. |
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| Employment Practices Liability |
| Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. |
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| Adequate Property/Fire |
| Property coverage for your establishment can consist of everything from your building, business income/interruption, tenant improvements, personal property, equipment breakdown & monies and securities. Such consist of chairs, tables, bar fixtures, walk-ins, inventory, monies in the till, etc. located at the premises. The list goes on. Adequate Property Insurance is very important to avoid any type of Co Insurance Penalty. |
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| Worker's Compensation |
| Workers' compensation is the nation's oldest social insurance program: It was adopted in most states, including California, during the second decade of the 20th century. The workers' compensation system is based on a trade-off between employers and employees. Employees are entitled to receive prompt, effective medical treatment for on-the-job injuries or illnesses no matter who is at fault and, in return, are prevented from suing employers over those injuries. |
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