A fight is an intentional act, and general liability excludes intentional acts.
Assault and battery cover buys back the exclusion that removes the claim a late-night venue is most likely to face.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What assault and battery businesses actually need.
Patron-on-patron incidents
Injury from a fight on your premises, and allegations that your staff failed to prevent it.
Without it — The most common serious claim in hospitality is the one most often uninsured.
Acts of security staff
Claims arising from how a door team or security contractor handled someone.
Without it — An ejection that goes wrong is an intentional act and falls straight into the exclusion.
Where assault and battery shows up.
- Restaurant
A fight is an intentional act, and general liability excludes intentional acts — so the claim a late-night venue is most likely to see is the one it is least likely to be covered for.
What assault and battery operators ask us.
We use a licensed security contractor. Are we covered by theirs?
You will still be named, and being named is what costs money. Get named as an additional insured on their policy and check their limits — but do not treat that as a substitute for your own cover, because their policy protects them first and can be exhausted or declined without regard to your position.
Why is it often sub-limited?
Because carriers price it tightly. It is common to see assault and battery capped well below the general liability limit — $50,000 or $100,000 against a $1M policy — and the sub-limit is easy to miss on a quote comparison. If two quotes look close, this is one of the first places to look for the difference.