Any restaurant that serves alcohol is at risk for assault and battery issues to occur. This is why it is so important for any restaurant to purchase restaurant assault and battery coverage so they are fully prepared if a fight should break out. These problems are among the biggest reasons why restaurants end up getting sued by their patrons. Without the right coverage, you could find yourself paying for these lawsuits out of your own pocket.
Check Your Policy Carefully
If you already have liquor liability insurance, as well as the other types of required insurance, you need to take a good look at your policy. Some restaurants may think they have the appropriate coverage to take care of fights in the restaurant. However, this isn?ÿÿÿÿÿÿÿt always the case. Assault and battery coverage is often additional insurance that must be added to the insurance you already have. You need to determine this before you are in a situation where you need it.
What Is Assault and Battery?
In determining whether you need restaurant assault and battery coverage, you may wonder what exactly constitutes assault and battery. These two charges are often used together but actually mean two different things. Assault is often simply the threat of causing bodily harm, a failed attempt to cause harm or creating fear of harm in someone. Battery typically refers to the physical act of intentionally causing bodily harm to another person. This means even something that doesn?ÿÿÿÿÿÿÿt turn into a full brawl can qualify under this area of your insurance coverage.
If you run a fancier establishment or one where you don?ÿÿÿÿÿÿÿt notice a lot of people getting drunk, you may wonder if you even need this type of coverage. While you may never have to actually use it, it is always best to have it when there is alcohol involved. You never know what can happen when someone consumes too much alcohol.
Owning a restaurant that offers alcohol puts you at risk for fights occurring within your establishment. When this happens, you will need restaurant assault and battery coverage to ensure you have the money to cover any damages that occur. If you aren?ÿÿÿÿÿÿÿt sure whether you already have this coverage, make sure you talk to your insurance agent so you can determine if you need it. Essentially, any establishment that serves alcohol should have this coverage, even if you think you will never need it.
To learn more about restaurant assault and battery coverage and whether you need it, visit RSI-Insurance.com