Assault and Battery question on bar
Posted: Thu Jan 29, 2009 3:49 pm
I have a customer who had an A&B claim on his GL policy for his bar due to a fight that occured inside the bar between two patrons of which he did not appear to have liability. It appears the carrier settled for $8500. He is with a different agent right now.
He came to me for a quote but asked a question I wasn't really sure how to answer since we were talking about possible sublimits for A&B when quoting. He asked "well what if someone is murdered?". Well, that really wouldn't be Assault and Battery would it? So would policy cover it? Most likely scenario would be a relative as claimant and they would have to prove legal liability on the part of the insured. Ok so let's say they prove that. Would the policy pay under the GL portion or the A&B portion?
He came to me for a quote but asked a question I wasn't really sure how to answer since we were talking about possible sublimits for A&B when quoting. He asked "well what if someone is murdered?". Well, that really wouldn't be Assault and Battery would it? So would policy cover it? Most likely scenario would be a relative as claimant and they would have to prove legal liability on the part of the insured. Ok so let's say they prove that. Would the policy pay under the GL portion or the A&B portion?