Assault or battery coverage for liquor liability protects your insured when someone gets hurt due to a fight or altercation. When a confrontation is covered, it will help pay legal fees or settlements (medical bills) associated with the claim.
A common claim example is a patron gets in a fight with another patron after being over-served. Sometimes when an establishment has bouncers, they may unintentionally injure a patron when trying to control a situation.
At USLI, if a risk meets the below eligibility, assault or battery coverage will be automatically included at full limits on the liquor liability policy:
- No previous assault or battery claims in the past five years
- No bouncers, security guards or doorpeople
- Major entertainment limited to 12 times or less per year
- Banquet entertainment limited to 12 times or less per year
- No billiard hall or adult entertainment
- Iowa, Michigan and Missouri risks (state prohibits assault or battery exclusion)
- Assault or battery coverage is excluded on bars located in Utah
If an establishment has bouncers, security guards or doorpeople, or major entertainment more than 12 times per year, we can consider assault or battery coverage as a buy-back option at either full limits or on a sublimit basis
Send USLI your next liquor liability submission today, and we will review to offer this important coverage.
Please continue to think of us for your hospitality food and beverage accounts. We have remained a consistent liquor liability market for over 45 years. AM Best recently rated us an A++ insurance company once again. We want to provide our customers with the best experience through speed, ease of use and accessibility. Learn more about our Hospitality and Liquor coverage today!
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