Ludba
12-08-2002, 04:17 PM
I was reading an article in Billiards Digest ("Rooms Face Insurance Hike" Billiards Digest, Dec 2002, p 112, 113), which confirms my suspicions about alcohol-free rooms as a viable and indeed preferrable business decision.
Billiard rooms typically require four types of insurance: property insurance, general liability, umbrella, and liquor liability.
"As of October, the average premium per room in the BCA program was about $9,000. Dry poolrooms that didn't require liquor liability insurance paid significantly less...."
"The insurance industry has consistently considered billiard rooms a risky gamble...."
"There has always been a perceived notion of the smoke-filled poolroom, and the people getting into fights, and tough individuals hanging around," [Ken] Johnson [a broker for insurance brokerage Arthur J Gallagher & Co.] said."
"...[an insurance firm] also must be willing to write liquor liability policies in states with particularly tough liquor laws. Only the largest firms typically meet these criteria."
Opinions, anyone?
Billiard rooms typically require four types of insurance: property insurance, general liability, umbrella, and liquor liability.
"As of October, the average premium per room in the BCA program was about $9,000. Dry poolrooms that didn't require liquor liability insurance paid significantly less...."
"The insurance industry has consistently considered billiard rooms a risky gamble...."
"There has always been a perceived notion of the smoke-filled poolroom, and the people getting into fights, and tough individuals hanging around," [Ken] Johnson [a broker for insurance brokerage Arthur J Gallagher & Co.] said."
"...[an insurance firm] also must be willing to write liquor liability policies in states with particularly tough liquor laws. Only the largest firms typically meet these criteria."
Opinions, anyone?