Restaurants, bars and pubs are usually places of solace, where patrons come to enjoy some food and grab a few drinks, usually after a long day or for leisure. But things can go south in a matter of seconds and it is hard for a business owner to control the outcome. In the case of physical conflicts, it’s better to stand back and call the authorities to handle the situation. But many things can go wrong between the time the fight breaks out and till the authorities get there.
One of those problems is where your Assault & Battery Coverage will help you. So let’s learn more about the said coverage and how far it may come to your rescue.
Assault & Battery Coverage
When a fight breaks out, it’s not vice for a business owner to get involved. It’s difficult to control the customers when they are agitated and best let the authorities deal with the situation. But in the meantime, one or more of the patrons can suffer injuries. Injuries that the establishment is partly liable for. Even though you may not be directly involved in the incident, you are also responsible for it as it occurred on your property. Hence, you need Assault & Battery Coverage. It helps you deal with the medical expenses of the individuals who sustained injuries during the outbreak and protects your establishment from financial losses.
Reasons To Choose This Option
If protection from losses was not enough of a reason for you to get Assault & Battery Coverage, you should know that it also helps with legal obligations that may come your way due to the incident.
When you run a place of social gathering, especially one that serves alcohol, you are bound to run into such obstacles. The risk of the financial losses in case you face such an incident are high & mighty. This includes the legal expenses, medical expenses and whatnot. Hence, it’s better to have it than ignoring it. Besides that, this coverage also helps recover losses in case of robbery. If someone gets any of their belongings stolen during the altercation then that too will be covered under this option. To a certain extent, you also get coverage for sexual assault. If someone in your establishment faces unwanted and exaggerated sexual advances, they may end up filing a case against the perpetrator and your business. Assault & Battery Coverage helps in hiring legal assistance to defend your case.
Now you may think that your business doesn’t fall under such criteria or you may think you know your region of business well enough. But if you do face such a situation and end up paying for medical, legal fees and settlements, you may incur more losses than the value of your business. So better than regretting it for a lifetime, you can invest in Assault & Battery Coverage right now!
Get in touch with us on 855-5EXCEED and one of our insurance executives will gladly help you get more details about the coverage.