Affiliated Insurance Agencies of WI Blog
Understanding Assault and Battery Insurance Coverage
The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.
Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”
For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.
Did you know that many insurance carriers exclude this coverage for bars? Here’s the typical exclusion language: Coverage does not apply to “Bodily injury” or “property damage” arising out of an assault or battery, provoked or unprovoked, or out of any act or omission in connection with prevention or suppression of an assault or battery, committed by any insured or an employee or agent of the insured.”
However, Society’s policies do not include this exclusion. This makes a big difference. Here’s why…
As assault and/or battery at your business can affect you in a couple of ways. For starters, you’ll most certainly face a claim under the General Liability portion of your policy for the altercation, either from one or all of those responsible for the altercation. If your business serves alcohol, you may also face a claim under your Liquor Liability policy, alleging that the altercation was the result of one or more patrons being served too much to drink.
Society Insurance is proud to be experts in protecting the hospitality industry. To learn more about the unique exposures affecting restaurants and bars and the best ways to mitigate these risks, don’t miss these whitepapers: