What is Assault & Battery Insurance?
While restaurants, clubs, and bars are generally relaxed places where patrons enjoy themselves, things occasionally become tense -- and people sometimes are injured in confrontations. Should a patron be hurt in a physical conflict that occurs on an establishment’s property, the restaurant, bar, or club might be deemed responsible for the patron’s injuries and resulting financial costs. Assault & battery insurance policies help protect establishments from this sort of risk.
Assault & battery insurance is a highly specialized form of insurance that’s designed to cover a particular incident: physical conflicts between multiple people. (Whether a policy will cover a specific incident depends on the circumstances of the incident and the policy’s terms and conditions.) When a confrontation is covered by a policy’s terms and conditions, the policy will usually help pay legal fees or settlements associated with a claim.
Why Are Establishments Considered Responsible for Injuries Sustained in Physical Conflicts?
It might seem as if only the people involved in a physical conflict should be responsible for injuries sustained in the confrontation. There are a couple of circumstances, however, when a restaurant, bar or club may share responsibility for the incident.