Some bars and restaurants are eager to ignite an exciting atmosphere by mixing liquor with fire. Whether it’s setting shots ablaze or pouring flaming liquor cascades, each method has one thing in common: severe risk.
The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.
Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”
For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.
Did you know that many insurance carriers exclude this coverage for bars? (more…)
Businesses in the hospitality industry (bars, restaurants, hotels) provide a fun and relaxed atmosphere for clientele to briefly escape their everyday routines. While these establishments look for ways to distinguish themselves from the competition, they often share one common feature: a bar. Alcohol service, the commercial sale of alcohol, creates unique risks and exposures which business owners must not only address by having specific guidelines in place; they must also strictly enforce.
The Problem (more…)