A late-night brawl spills onto the sidewalk and ends with someone flying through a shop window. Broken glass, property damage, and liability questions pile up fast — and the business owner is left wondering what insurance will actually cover.

In this episode of Is It Covered?, Bruce and Brian Chapman break down the messy reality when street fights lead to broken storefronts. From who pays for repairs to how liability works when a third party causes the damage, this one shows just how complicated “simple” claims can get.

✓ How commercial property insurance responds to vandalism and accidents
 ✓ Why liability claims don’t always fall where you think they will
 ✓ The role of deductibles and exclusions in unexpected scenarios
 ✓ Why business owners should confirm coverage before chaos hits

Whether you run a business, advise clients, or just want to know what happens when fists fly through glass, this episode will make you rethink how prepared you are.

🎧 Listen now and learn why one wild night can turn into a very expensive morning.

Have a claim scenario you want us to cover? Email [email protected].

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