When you run a business, protecting your customers, employees, and reputation is just as important as protecting your property. One area that often gets overlooked—but can have serious financial consequences—is Assault & Battery coverage on a commercial insurance policy.

What Is Assault & Battery Coverage?

Assault & Battery (A&B) coverage helps protect your business if someone is harmed due to a physical altercation on your premises. This can include fights between customers, an employee physically confronting a patron, or even situations where your staff is trying to break up a disturbance and things escalate.

Why It’s Crucial for Your Business

Many business owners assume their general liability policy automatically covers these situations, but that’s often not the case. In fact, many standard policies specifically exclude assault and battery claims. Without proper coverage, you could be responsible for costly medical bills, legal fees, and settlements—even if your business didn’t directly cause the incident.

Industries especially at risk include:

• Bars, restaurants, and nightclubs

• Retail stores

• Property managers and landlords

• Hotels and hospitality businesses

• Any business open to the public

If a fight breaks out or someone claims they were hurt by your staff or another customer, you could face a lawsuit that threatens your financial stability.

Protect Your Business Before an Incident Happened

Assault & Battery coverage ensures you’re protected against unexpected—and often unavoidable—situations. It provides peace of mind so you can focus on running your business, not worrying about what might happen if tensions rise.

Is Your Policy Protecting You?

If you’re unsure whether your commercial insurance includes Assault & Battery coverage or if you’d like to explore adding it, our team is here to help. We can review your current policy and make sure you have the protection you need.