does your insurance cover bar fights!

Consider this for Liquor Liability Insurance coverage?

     Let's get ready to Rumble! Not exactly the words that a bar nor dram business owner desires to hear at their tavern, restaurant, brewery or bar, however according to a recent study nearly 30% of all accidents that occur at these style venues is due to assault and battery.

Hence, the necessity for not only General Liability insurance, but also Liquor Liability to protect from a business from the possibility of such as risk. However, alongside these 2 lines of insurance, no business owner should simply assume that all charges concerning assault and battery that could occur at their establishment may be covered. In fact, if a business owner carries General Liability with one company, and Liquor Liability with a completely separate carrier, determining which line of insurance may pay for bar fight can be complicated. Consider the following: Bodily Injury and Property damage through a basic general liability policy may allow coverage if a patron or customer were to slip and fall, it is however very likely that a general liability policy will exclude these items if liquor or alcohol is involved. Liquor Liability on the other hand may provide Bodily Injury and Property Damage if a patron is over served, consumes too much, or if there is selling of alcohol to a minor, but could very exclude assault and battery exposure.


The solution, mentioned by Sandra Haley, the senior vice president of underwriting and marketing at Hospitality Insurance Group in a recent IIABA Insurance publication mentions securing a General Liability and Liquor Liability policy through the same carrier. Snotherly Insurance offers General Liability and Liquor Liability for breweries, restaurants, dram shops, craft beer stores, and even bars and taverns throughout North Carolina. For more information concerning coverage in case of bar fights, we recommend seeing the below article which was used as a reference for this specific post.



https://www.iamagazine.com/markets/read/2018/01/08/general-vs.-liquor-liability-who-pays-the-claim

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