Risk Management for Bars: The Benefits of Assault and Battery Insurance

The assault & battery insurance coverage helps protect against different incidents in nightclubs, bars, taverns, and similar establishments. Whether it’s a physical altercation, assault, or other violent acts, having the right insurance coverage is essential to mitigate financial risks and safeguard your establishment. In this article, we will delve deeper into the details of assault and battery insurance coverages, offering valuable insights to help you make informed decisions for your business’s protection.

What is Assault & Battery?

Battery indicates the physical activity of harming someone, and assault is an intentional threat to cause fear of impending harm. Businesses seek assault and battery coverage for protection from different actions of employees or patrons causing bodily injury or property damage. This specialized coverage offers financial security and support, ensuring that businesses are prepared for any unfortunate incidents that may occur within their premises. By obtaining assault and battery insurance, businesses can safeguard their reputation, mitigate potential liabilities, and provide a safe environment for their customers.

Businesses have their unique risks. However, assault and battery are a risk in common. Let us look at some of the occurrences against which assault & battery insurance provides coverage.

  • Someone Is Injured During a Bar Fight

    Most assault & battery insurance policies offer coverage for bar fights, where there is a fight between two or more patrons, usually intoxicated. The policy covers involved persons and bystanders who sustain injuries during the altercation.

  • Someone is Mugged while Leaving Your Establishment

    Assault and battery insurance coverage is for confrontations near a building, particularly from the business property. For instance, if a fight starts at the establishment’s door, the insurance coverage will pay for any damage incurred. Coverage also extends to muggings when people leave an establishment at night. The medical care they need in case of an attack will qualify as an assault and battery claim.

  • Witnesses Are Affected by the Violence They See

    Assault & battery insurance offers coverage for physical injuries and extends to emotional harm. It is an excellent protection against increased violence and the prevalence of lawsuits in the country. Assault-related lawsuits are filed by witnesses, too, and a strong case of this kind results in significant legal expenses.

  • Someone Is Sexually Assaulted

    Assault & battery insurance offers coverage for sexual assaults. If someone receives unwanted sexual attention from a person, the victim can file a suit against the establishment and the perpetrator. The right coverage helps in covering settlement amounts and legal fees.

  • An Unwanted Guest Causes Trouble

    Suppose an intoxicated individual enters an establishment and fights with patrons there. In case of injuries and property damages caused by such physical confrontation, assault & battery insurance offers coverage. By having assault and battery insurance in place, businesses can mitigate the financial risks associated with these unfortunate incidents.

Protect Your Business with RMS Insurance Brokerage!

Assault & battery insurance is crucial for establishments like bars, taverns, nightclubs, sports bars, lounges, and pubs. RMS Insurance Brokerage, LLC offers assault and battery insurance to various businesses to keep them covered for uneventful incidents. Contact our insurance professionals at (516) 742-8585 and get a quote today!