Examples of Exclusions that may have been applied to your policy:
Exclusion 1: Attorney Defense costs within the limits of Insurance (i.e. your limit is $1,000,000 and the attorney bill is $200,000, you will only have $800,000 of coverage left.
Exclusion 2: TIPS Alcohol Certification Requirement: Your current policy may exclude claims placed if your team members do not hold a TIPS or equivalent state-mandated certification.
Exclusion 3: Alcohol Service or Consumption: Your current policy may exclude claims that involve vaporized or powdered alcohol, flaming shots, or devices designed to expedite the consumption of alcohol.
Exclusion 4: Independent Contractor Exclusion: If you hire a company that provides bouncers, ID checkers, etc. without their own coverage, your claim can be excluded.
Our goal at IFB is to give you a clear view of your current coverage and make sure you get the most for your premium! Let a professional with 36 years of experience review your policy. Call us at (201)-320-1200 for a free review of your coverage.