ASSAULT AND BATTERY COVERAGE

Assault & Battery Coverage is a vital aspect to liquor liability insurance. Most claims against nightclubs, restaurants and bars are the results of fights. Your liquor liability policy should include coverage for assault and battery claims. If not, then your current policy does not hold much value. RSI-Insurance can help protect your business and save you money.

Liquor liability coverage may be sold as an add-on to a commercial general liability policy or as a separate liability policy. But, if you do not purchase this extra coverage, your standard liability policy DOES NOT protect your business against these kind of claims.

Important aspects to think about when shopping for a Liquor Liability policy for your establishment. If your place serves alcohol, then you know that employees will drink at some point regardless of the rules. Insurance companies know this and sometimes exclude employees from coverage. It is important to make sure employees are covered as patrons.

Does your current policy cover defense costs? The largest cost facing your business in these types of claims is the cost of retaining a lawyer against frivolous claims. The insurance industry knows this, that is why some sell policies where "defense costs" are deducted from the total coverage. As an example, your $500,000 policy is now reduced by $100,000 because of attorney fee's. Even if this is given at a discounted premium, it is best to avoid this and ask for a policy that provides competent legal counsel to your business without reduced coverage.

Look for a policy that doesn't exclude mental damage claims. Some claimants swear they were hurt in a non physical way; stress, psychological, damage, or other reasons. If your business is located in New york, New Jersey, or connecticut, and you sell liquor in your establishment, RSI-Insurance can help you get the best Liquor liability insurance policy.

Many of our carriers offer non-auditable policies with interest free installments. We will be happy to provide you with a quote. Give us a call at 914-332-1700; email us at ira@rsi-insurance.com: or complete the online application by clicking the quote button. The quote is free and carries no obligation of any type.