What is Assault and Battery Insurance?
While people involved in physical confrontations may be held personally responsible for injuries they inflict, businesses sometimes can be held liable for fights and other incidents as well. Assault and battery insurance helps protect Massachusetts businesses from this risk.
Assault and battery insurance is a specialized commercial liability coverage that’s uniquely designed to mitigate risks related to physical conflicts between people. As a liability coverage, the insurance will normally help pay legal fees, settlements and judgements associated with covered claims.
How Much Does Assault and Battery Coverage Cost?
Insurance companies consider many different factors when setting rates for these insurance policies, so premiums often vary. Even with variance, however, many businesses find that coverage is affordable.
An independent insurance agent can request multiple quotes for policies from different insurance companies to help a business find out how much coverage would cost in their particular situation.
Why Are Businesses Held Responsible for Injuries Sustained in Conflicts?
There are a few reasons why businesses might be held responsible for injuries sustained in physical conflicts that occur on their property, occur at their events or involve their employees.
First, bouncers and security personnel who injure someone during a confrontation with a customer or attendee are usually acting in the interest of their employer. Because the bouncers are fulfilling their work duties, their employer might be held financially liable for any injuries, lost wages, pain and suffering, or other issues related to the injuries inflicted.