Assault and battery is one of the most frequent claim types for bars, and it is also one of the most commonly restricted. A patron injured in a fight can sue the bar for failing to prevent it, and the policy you assumed would respond may not.
Where bars find gaps:
Full exclusions. Some carriers exclude assault and battery entirely on bar policies, which leaves the bar paying defense costs from its own funds.
Low sublimits. Others provide coverage but cap it far below the main liability limit, so a serious injury can exceed it quickly.
Security staff. Claims alleging excessive force by a bouncer often fall under the same restriction, even if the security guard is your employee.
Defense costs. On some forms, legal defense reduces the available limit, so a contested claim can use up coverage before any settlement.
How Liberty structures your protection: We read the assault and battery wording on every bar quote, ask carriers for the limit and defense terms in writing, and place a dedicated or higher-limit form where the standard one falls short.