Billiard And Pool Hall Insurance

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Billiard And Pool Hall Insurance Policy Information

Billiard And Pool Hall Insurance

Billiard And Pool Hall Insurance. Billiards - or cue sports - have existed for hundreds of years, and continue to be played both recreationally and competitively today.

Billiard parlors or pool halls are facilities that rent pool or billiard tables to customers. They may offer lessons or sponsor contests, tournaments, and other events. Operations also may include arcades, vending machines, or betting and gambling exposures.

They may have a snack bar or gift shop. Many billiard parlors are part of a bar and/or eating facility. Refer to the Eating and Drinking Places category for a more detailed discussion on restaurant and bar exposures.

Although billiards can be enjoyed in a diverse range of settings, pool halls are specialized venues designed to facilitate the enjoyment of cue sports.

While billiards require sticks called cues, billiard tables, and billiard balls, among other essential components, to own and run a successful billiard parlor, you will need to manage numerous other assets too. These range from the physical building to sound and lighting systems, as well as concession stands.

Even in today's increasingly digitalized world, a billiard parlor can be an excellent investment, with table rentals and billiard lessons being two examples of activities that bring in profits.

Running this type of business also, however, means that you are exposed to a variety of risks. What types of billiard and pool hall insurance might be needed? Discover more in this brief guide.

Billiard and pool hall insurance protects billiard clubs & facilities from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked billiard hall insurance questions:


How Much Does Billiard And Pool Hall Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small broom and brush manufacturing businesses ranges from $47 to $79 per month based on location, services offererd, revenue, claims history and more.


Why Do Billiard And Pool Halls Need Insurance?

Billiards

Like any other business, pool halls can fall victim to a whole host of perils. While a billiard parlor will certainly be prepared to cover minor losses on their own, large-scale unforeseen events can lead to serious debt or even bankruptcy unless you have protected your business with a comprehensive insurance plan.

billiard parlors may, for instance, fall victim to the same universal risks that threaten any business. You could be struck by an act of nature, such as a wildfire, serious flood, or hurricane.

Theft and vandalism are two further examples of perils that could lead to significant property damage or loss, and accidents such as fire or plumbing malfunctions should be considered as well.

An employee could become injured while working, after which you are responsible for their medical costs. Guests, vendors, or other visitors could become hurt on your premises as well, and may decide to file a lawsuit against your pool hall.

Even in cases where you are not ultimately found to be responsible, you will incur massive costs in the process.

Armed with the right billiard and pool hall insurance, none of these events have to be ruinous - your insurer will cover a considerable portion of the costs you face, so that your business can carry on operating and growing.


What Type Of Insurance Do Billiard And Pool Halls Need?

Billiard clubs will need to carry several different kinds of insurance, and given the many options available, it is easy to become confused.

The location of your pool hall, the number of your employees, and the size of your business are just some of the factors that will determine the exact nature of the coverage you need.

That is why it is vital to talk your insurance plan through with a commercial insurance broker, who will be able to offer you insights based on your billiard club's risk profile and design a custom-made program for you.

With that in mind, some of the must-have billiard and pool hall insurance types include:

  • Commercial Property: This type of insurance will protect you from the financial consequences of major perils such as acts of nature, theft, and extensive vandalism. It will reimburse you for the repair and replacement costs you incur, both in the case of your building and its contents, like billiard tables and HVAC units.
  • Business Interruption: After your business is impacted by a substantial peril, this form of billiard and pool hall insurance coverage will reduce the burden of temporary closure by providing coverage for a portion of your lost revenue.
  • Commercial General Liability: Essential for any commercial venture, commercial general liability insurance has your back in the event that a third party sues you. It covers your legal costs if someone is injured on your premises, as well as in cases where your company accidentally causes damage to third party property.
  • Workers' Compensation: Employees can sustain work-related injuries in a wide variety of ways - and unless it is absolutely clear that the workplace in no way contributed, your billiard parlor is likely to be held liable. In these cases, workers' comp steps in to cover the employee's medical bills as well as any income they lose as they recover.

These are just a few examples of the kinds of billiard and pool hall insurance coverage a snooker hall may need to defend its financial interests. If you keep electronic records or run a website, you will need cyber insurance as well - and if your billiard parlor uses vehicles professionally, commercial auto insurance is inescapable too.

Discuss your individual risks with a skilled commercial insurance broker to find out how best to protect your business.


Billiard And Pool Hall's Risks & Exposures

Pool Hall

Premises liability exposure is high due to the number of visitors to the premises, particularly if tournaments are held or there is on-premises consumption of alcohol. Public and life safety code compliance is necessary. Good housekeeping is key to preventing slips, trips, and falls.

Adequate lighting, marked exits and egress are mandatory. Steps must have handrails, be well lit, and be in good maintenance and repair. Parking areas should be maintained free of snow and ice.

Security at the facility and any owned parking area needs to be carefully reviewed. The center may present an attractive nuisance hazard after hours. There must be adequate security to prevent unauthorized entry.

Rented equipment must be maintained in good repair. Personal injury exposures are from assault and battery, discrimination, false arrest, or unlawful detention.

Liquor liability exposure can be quite extensive if employees are not properly trained to recognize the effects of excessive alcohol consumption. Procedures must be in place for checking IDs and refusing to serve underage or intoxicated individuals.

Products liability exposure can come from the sale of new or used billiard equipment, repair operations, and serving of food and drink.

Workers compensation exposure due to rowdy clientele is a concern as workers may be injured in altercations with customers. Slips and falls, lifting, back injury, hernia, sprains, and strains are common. Food service employees can be injured from electrical shocks, burns from cooking equipment, and kitchen-related cuts or puncture wounds. Occupational disease may result from workers constantly exposed to visitors' smoking.

Property exposure are moderate. Ignition sources include electrical wiring, smoking, and inadequate housekeeping. All electrical wiring must be in good repair and adequate for the operations. If cooking involves more than popcorn makers or pizza ovens, all cooking equipment must be properly controlled.

Smoking should be limited to specified areas, and disposal of smoking materials done in fireproof containers.

Arcade or vending machines may be subject to vandalism or theft. Other property losses may stem from vandalism if patrons or visitors become unruly or intoxicated. There is a theft potential if billiards equipment is sold on premises.

Business income loss exposure may increase if the tables are unique and require longer than average time for a replacement.

Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. As many transactions are handled with cash, cashiers' drawers should be kept stripped with regular deposits made.

No money should be kept on premises overnight. The hours of operation, clientele, and past loss experience should be taken into consideration. When tournaments or other sponsored events occur, cash can increase considerably requiring extra security.

Inland marine exposure is generally limited to bailees customers if there is any repair on premises. There may be computers or valuable papers and records for vendors' information.

Business auto exposure is generally limited to hired non-owned for employees running errands. If there are owned vehicles, all drivers must be properly licensed and have acceptable MVRs. All vehicles must be maintained on an ongoing basis and service documented.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 7999 Amusement And Recreation Services, Not Elsewhere Classified
  • NAICS CODE: 713990 All Other Amusement and Recreation Industries
  • Suggested ISO General Liability Code(s): 10160
  • Suggested Workers Compensation Code(s): 9089

Description for 7999: Amusement And Recreation Services, Not Elsewhere Classified

Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation

7999 Amusement And Recreation Services, Not Elsewhere Classified: Establishments primarily engaged in the operation of sports, amusement, and recreation services, not elsewhere classified, such as bathing beaches, swimming pools, riding academies and schools, carnival operation, exposition operation, horse shows, picnic grounds operation, rental of rowboats and canoes, and shooting galleries. Establishments primarily engaged in showing or handling animals at shows or exhibitions are classified in Agricultural Services, Industry Group 075.

  • Aerial tramways, amusement or scenic
  • Amusement concessions
  • Amusement rides
  • Animal shows in circuses, fairs, and carnivals
  • Archery ranges, operation of
  • Astrologers
  • Baseball instruction schools
  • Basketball instruction schools
  • Bath houses, independently operated
  • Bathing beaches, public
  • Betting information services
  • Billiard parlors
  • Bingo parlors
  • Boat rental, pleasure
  • Boats, party fishing: operation of
  • Bookies
  • Bookmakers, race
  • Bowling instruction
  • Bridge club, nonmembership
  • Bridge instruction
  • Cable lifts, amusement or scenic: operated separately from lodges
  • Canoe rental
  • Card rooms
  • Carnival operation
  • Cave operation
  • Circus companies
  • Concession operators, amusement devices and rides
  • Day camps
  • Exhibition operation
  • Exposition operation
  • Fairs, agricultural: operation of
  • Fireworks display service
  • Fishing piers ant lakes, operation of
  • Fortune tellers
  • Gambling establishments not primarily operating coin-operated
  • Gambling machines, except coin-operated operation of
  • Game parlors, except coin-operated
  • Games, teaching of
  • Gocart raceway operation
  • Gocart rentals
  • Golf courses, miniature operation of
  • Golf driving ranges
  • Golf professionals not operating retail stores
  • Golf, pitch-n-putt
  • Gymnastics instruction
  • Handball courts, except membership club
  • Horse shows
  • Houseboat rentals
  • Hunting guides
  • Ice skating rink operation
  • Judo instruction
  • Karate instruction
  • Lifeguard service
  • Lotteries, operation of
  • Lottery club and ticket sales to individuals
  • Moped rental
  • Motorcycle rental
  • Natural wonders, tourist attraction: commercial
  • Observation tower operation
  • Off-track betting
  • Pack trains for amusement
  • Parachute training for pleasure
  • Phrenologists
  • Picnic grounds operation
  • Ping pong parlors
  • Pool parlors
  • Racquetball courts, except membership clubs
  • Rental of beach chairs and accessories
  • Rental of bicycles
  • Rental of golf carts
  • Rental of rowboats and canoes
  • Rental of saddle horses
  • Riding academies and schools
  • Riding stables
  • River rafting, operation of
  • Rodeo animal rental
  • Rodeos, operation of
  • Roller skating rink operation
  • Scenic railroads for amusement
  • Schools and camps, sports instructional
  • Scuba and skin diving instruction
  • Shooting galleries
  • Shooting ranges, operation of
  • Skating instruction, ice or roller
  • Skeet shooting facilities, except membership clubs
  • Ski instruction
  • Ski lifts, cable lifts, and ski tows operated separately from lodges
  • Ski rental concessions
  • Slot-car racetracks
  • Sporting goods rental
  • Sports instructors, professional: golf, skiing, swimming, etc.
  • Sports professionals
  • Swimming instruction
  • Swimming pools, except membership
  • Tennis clubs, nonmembership
  • Tennis courts, outdoor and indoor operation of, nonmembership
  • Tennis professionals
  • Ticket sales offices for sporting events, contract
  • Tourist attractions, natural wonder commercial
  • Tourist guides
  • Trampoline operation
  • Trapshooting facilities, except membership club
  • Waterslides, operation of
  • Wave pools, operation of
  • Wax figure exhibitions
  • Yoga instruction

Billiard And Pool Hall Insurance - The Bottom Line

To protect your poolroom - having the right billiard and pool hall insurance coverage is important. To see what types of options are available to you, how much coverage you should invest in and the costs - speak to a reputable commercial insurance broker.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

Additional Resources For Arts & Recreation Insurance

Read up on small business arts and recreation commercial insurance.


Arts And Recreation Insurance

Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face.

Performing artists and companies, entertainers including musical groups, theatre groups, comedians and more, writers, performers, photographers, videographers, DJ's and so many other types.

Professional liability coverage (errors and omissions) is needed in these cases to protect their financial interests due to mistakes, errors or omissions by these professionals in doing their jobs. Fr example - a bride and groom did not like the way their wedding photos turned out.

Or a wedding planner might plan a lavish wedding, but the bride's parents who are paying for it did not like the way it went. There is a lot of gray areas with arts, and you need to be protected if your clients don't agree with you that your work was what the agreed to.

If your business is involved with children, you need to review your coverages very carefully so certain important protections are not excluded. Abuse and molestation insurance might be needed to fully protect yourself in this instance.

Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.


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