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Nightlife & Hospitality Insurance Experts in Philadelphia
Founded over two decades ago, KEL Insurance Services has established itself as a trusted partner for nightlife and hospitality businesses seeking specialized insurance solutions. Our agency was built on a foundation of personalized service and industry expertise, recognizing the unique challenges faced by bar and nightclub owners. With a focus on tailored coverage, we offer comprehensive policies including general liability, liquor liability, assault and battery protection, and commercial property insurance. Our team prides itself on delivering quick responses, annual policy remarketing for competitive rates, and streamlined financing plans that consolidate multiple payments into one. Backed by relationships with carriers offering industry-specific programs, we provide defense-focused solutions for claims and risk mitigation.Our commitment to inclusivity and equal opportunity extends across all operations, ensuring a welcoming environment for clients and partners. With licenses spanning 38 U.S. states, we combine localized service with national reach. Our leadership team, including Carol and Lars Kristiansen, brings generational experience and firsthand industry knowledge to every client interaction. Through partnerships with organizations like VIP Safety Strategies and Whits Tips, we enhance coverage with proactive training programs for security and responsible alcohol service. Client testimonials consistently highlight our responsiveness, transparency, and long-term reliability, with relationships often spanning decades.
Services
General Liability
Liquor Liability
Assault & Battery
Commercial Property
Responsible Vendor Training
Highlights and features
- We offer 20+ years of specialized experience in nightlife and hospitality insurance
- Our policies include tailored assault and battery coverage for high-risk environments
- We provide consolidated financing plans for multiple insurance products
- We maintain relationships with carriers offering industry-specific programs
- Our team includes hospitality industry insiders with firsthand operational knowledge
What people say
Quick responses
Competitive quotes
No nonsense advice
Always responsive
Best in the business
Services
General Liability
Comprehensive protection against third-party claims for bodily injury, property damage, and personal injury. Essential for nightlife venues facing customer incidents. Covers legal fees and settlements up to policy limits.
Liquor Liability
Specialized insurance for establishments serving alcohol, covering claims related to alcohol-related incidents. Required by most carriers for bars and nightclubs. Includes defense costs and settlement coverage.
Assault & Battery
Targeted coverage for physical altercations on premises. Addresses rising claims in nightlife venues. Includes victim compensation, legal defense, and business interruption protection during investigations.
Commercial Property
Protection for physical assets against fire, theft, and damage. Covers building structures and business contents. Includes business interruption coverage for income loss during repairs.
Responsible Vendor Training
Certification programs reducing alcohol-related incidents. Partners with Whits Tips for TiPS training. Meets carrier requirements while improving staff competence and reducing liability risks.
People
Carol Kristiansen
President
With over 20 years in insurance, Carol founded KEL after recognizing nightlife industry needs. She developed specialized programs and now leads with her son Lars, combining experience with fresh industry perspective.
Lars Kristiansen
Vice President of Business Development
Joined the family business after nightclub industry experience. Brings firsthand knowledge of venue operations. Focuses on expanding industry-specific insurance solutions while maintaining personalized service standards.
Questions
What types of insurance do you specialize in for nightlife businesses?
We specialize in general liability, liquor liability, assault and battery protection, and commercial property insurance tailored for bars, nightclubs, and hospitality venues.
Do you offer specialized training programs for bar staff?
Yes, we partner with Whits Tips to provide responsible vendor certification and VIP Safety Strategies for security compliance training programs.
How do you help with insurance claims defense?
Our policies include legal defense coverage, and we provide access to specialized programs like the Violent Attack Policy for active shooter scenarios.
Can you help consolidate multiple insurance policies?
We offer consolidated financing plans that combine multiple insurance products into a single monthly payment for easier management.
Are your insurance rates competitive across different states?
With licenses in 38 U.S. states, we provide regionally competitive rates through our industry-specific carrier relationships.
