With and without live music – Insurance for Clubs and Restaurants – There are many moving parts to such a business. There could be a valet operation present, bouncers, lots of alcohol, food, dancing, possibly fighting, or mechanical bull riding; All of which needs specific coverage in order for coverage to be in play in the event of a loss. Garage Keepers, Bouncers Liability, Valet Liability, Crime, Assault and Battery, and Employment practices coverage are just a few of the myriad of available coverages for those operating bars or nightclubs.