Norwest NSW
Intoxicated Patrons Insurance
On a busy night, things can turn. A fight breaks out, someone gets glassed, a patron has too much to drink and is injured on the way home. As the venue, you're often the one asked to answer for it.
Cover for intoxicated or aggressive patrons deals with the liability that comes from violence, assault and alcohol-related incidents at your venue.
Who it suits
- Pubs, bars and nightclubs
- Restaurants and cafes with liquor licences
- Function venues and event organisers
- Shisha lounges and late-night venues
What it can cover
- Legal liability for injury to patrons or others
- Claims arising from assault or fighting on the premises
- Defence costs
- Damage to property from patron behaviour
What to check
Many standard public liability policies exclude or limit assault and battery or alcohol-related claims. Insurers often want to see:
- Staff trained in responsible service of alcohol and conflict handling
- Licensed security at peak times
- CCTV and incident registers
- Clear house rules
Case study
An example
A fight breaks out in a venue after midnight and a patron is badly hurt. He claims the venue failed to manage an intoxicated customer. If the policy includes assault cover and the venue followed its conditions, legal costs and any liability may be covered. If assault is excluded, the venue faces the whole claim.
Illustrative example only. Cover depends on your policy wording.
Contact us
To get a quote, tell us:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Intoxicated patrons insurance FAQs
Not always. Check your wording for assault and battery, and liquor-related exclusions.
Often yes. Insurers like to see risk being managed.
Staff injuries fall under workers compensation, not liability.