Door staff are one of the highest-claim roles in a bar, because their job is to put hands on people in tense moments. How the bar hires them determines which policy answers when a patron says a bouncer used too much force.
How your security arrangement changes coverage:
Employees. Bouncers on your payroll fall under your workers’ compensation policy for their own injuries, and claims against the bar for their conduct fall under general liability or assault and battery coverage, subject to those forms’ limits.
Contracted security firms. The company should carry its own general liability, assault and battery, and workers’ compensation coverage, and name your bar as an additional insured. Ask for the certificate and the endorsement, not just a statement that they are covered.
Informal arrangements. Friends or cash-paid door help are the riskiest setup, because neither the bar nor the individual may have coverage that responds.
How Liberty structures your protection: We review your security setup, write contract insurance requirements you can hand to a vendor, and confirm your own assault and battery wording covers allegations against staff.