What is Assault and Battery Insurance?
While people who are involved in physical confrontations might be held responsible for any injuries they inflict on others, they aren’t always the only ones who are held liable for these incidents. Sometimes, businesses are also found responsible and ordered to compensate those who were injured. Assault and battery insurance policies help protect businesses in Massachusetts from this potential risk.
Assault and battery insurance policies are specialized commercial liability policies. As a liability coverage, these policies typically help pay legal fees, settlements and judgements arising from covered claims. In many cases, policies will begin paying for covered claims as soon as the claim is filed and before responsibility is ultimately determined.
What Massachusetts Businesses is an Assault and Battery Policy Right For?
As noted, there are many different businesses in Massachusetts that could benefit from having an assault and battery policy in their insurance portfolio. In addition to the aforementioned bars, security companies, nightclubs and restaurants, some other businesses that might want this type of policy include:
- Live entertainment venues
- Dance clubs
- Festival hosts
- Private investigators
- Bounty hunters
An insurance agent who’s familiar with these policies can help business owners determine whether purchasing a policy makes sense for their business.