For strip clubs and adult nightclubs renewing liquor-liability and assault-and-battery cover

A hole in the submission comes back as an exclusion.

Binder keeps the pile a specialty underwriter asks for every year — server training certificates, guard licences, the incident history, the entertainment schedule, exits and life safety, and the loss runs — and assembles it into one dated submission beside last year’s. It will not mark the submission sent while a single hole is left.

Open the demo See pricing

Opens in this browser with an invented club already in it. No account, no email address, nothing installed.

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The problem

The broker calls, and the pile gets built in a week.

Liquor liability for clubs is placed almost entirely in the surplus-lines market, and assault-and-battery cover is the hard part to place. The underwriter wants formal liquor training for everyone who serves, trained security, and the incident history. A submission with a gap comes back as a decline, a higher premium, or an A&B exclusion — and that is how a club ends up paying for a bouncer’s lawsuit itself.

Nonadmitted

where nightclub liquor-liability cover is placed, almost entirely.

Rough Notes (2010) →

A&B

assault-and-battery cover: vital to a club, and difficult to place.

Rough Notes (2010) →

Training

formal liquor training and trained security: what the carriers want to see.

Rough Notes (2010) →

Will not send a submission with a hole in it.

Not a reminder. Mark sent refuses, with the reason named, while a server certificate is expired or missing, a guard is untrained or unlicensed, a claim has no status, a night of entertainment has no guard, the fire inspection or extinguisher service is over a year old, or the loss runs are missing or over 90 days old. A sent submission is frozen. There is no override.

How it works

Policy, people, incidents, submission

Set the policy

Carrier, broker, lines, limits, premium, expiry, and the send-by date — 60 days before expiry by default.

Keep it all year

Every server’s certificate, every guard’s licence, every incident the night it happened, the entertainment schedule and life safety.

Send the submission

One printable page with the figures an underwriter reads first, and the change from last year. When it is green, send it.

What it will never do

It builds the submission. It does not sell insurance.

Binder is not a broker and gives no insurance advice. Your broker places the cover.

No quotes.It does not shop carriers or price a policy.

No incident deleted.An incident is written the night it happens and kept.

It is not a broker.The submission goes to yours. Binder makes it complete.

It never touches a payment.The licence is for software.

Pricing

Priced per venue

Once a year, against a premium that is often five figures.

Most clubs

One venue

$149/year

One club and its yearly renewal.

Certificates and guard licences
Incident history, never deleted
Send gate, no override

Group

$399/year

Up to four venues.

Everything in One venue
A submission per venue
Last year beside this year

Yearly licence. Your bank statement says Binder Software. Refunded in full on request within 30 days. Your licence key is emailed to you within two working days of payment.

Checkout is our own bitcoin server, not a card processor — nobody we had to apply to and nobody who can close the account. The button takes you straight to it. Give your email address there — that is where your key is sent.

Questions

The ones we actually get asked

What does the underwriter read first?

Servers certified, guards and the guard-to-capacity ratio, and incidents and claims this policy year. Binder puts those at the top.

Which server certificates count?

Whatever your carrier accepts: TIPS, ServSafe Alcohol, a state responsible-beverage card. Binder keeps each one with its expiry.

Why keep last year’s?

Because the underwriter compares. Binder shows the change from last year beside this year’s figures.

Is this insurance advice?

No. It is the submission your broker wishes every club sent.

What do I actually get when I pay?

The demo on this page is the whole program, running on invented records. Paying gets you a licence key — one line of text, emailed to the address you give at checkout within two working days. Paste it into the program and from then on it keeps your own records. Until then, nothing you type into it is kept.

The key is checked inside the page, on your own machine. It never calls us, so there is still no account and nothing about your business goes anywhere. If you ever stop paying, your records stay exactly where they are, read-only, and Export still hands you every one of them.

Open the demo before the broker calls

The invented club has an expired server certificate and another missing, an unlicensed guard, a claim with no status, a night of entertainment with no guard, an old fire inspection and stale loss runs. Binder will not send it until every one is fixed.

Open the demo See pricing