School • Church • Retail • Entertainment • Hospitality • Lodging • Healthcare • Public Entities
What does an Active Shooter policy cover?
Most general liability policies have limited coverages
The costs following an active shooter incident can be substantial, and many policyholders may not realize that a general liability insurance policy may not cover active shooter incidents. Others may believe that this type of event falls under terrorism coverage when it does not.
Many property and general insurance policies do not specifically include or exclude active shooter incidents, which can leave an organization footing a substantial bill. The gap in this type of insurance coverage has allowed insurance companies to offer named perils coverage specifically designed to cover this type of risk.
Named Peril Insurance Policies Cover Active Shooter Events
Active Shooter/Workplace Violence Insurance covers liability and extra expenses tied to shootings, providing victim death benefits with additional medical expense benefits. The program considers all classes of business, including but not limited to government agencies, education, religious institutions, hospitality, entertainment, retail, and public entities. The program also covers a wide range of attack-types, such as knife and vehicular attacks, rather than solely deadly attacks committed with a firearm.
Special Features & Coverages:
• Primary 3rd Party Liability Coverage, for lawsuits arising from Workplace Violence /Active Shooter / Deadly Weapon Events.
• Costs of property damage
• Primary 1st Party Business Interruption and Extra Expense Coverage
• Crisis management
• No Exclusion for Vehicles / Employees / Terrorism / under 3 casualties / over 50 casualties
• No required deductibles or retentions.
• Business interruption coverage is included in the policy form for the ongoing operating expenses until the organization can resume operations
• Critical benefits for victims for Emergency medical care / Counseling / Psychiatric Care / Rehabilitation Expenses / Death and Disability Benefits / Funeral and Burial Expenses
The costs following an active shooter incident can be substantial, and many policyholders may not realize that a general liability insurance policy may not cover active shooter incidents. Others may believe that this type of event falls under terrorism coverage when it does not.
Many property and general insurance policies do not specifically include or exclude active shooter incidents, which can leave an organization footing a substantial bill. The gap in this type of insurance coverage has allowed insurance companies to offer named perils coverage specifically designed to cover this type of risk.
Named Peril Insurance Policies Cover Active Shooter Events
Active Shooter/Workplace Violence Insurance covers liability and extra expenses tied to shootings, providing victim death benefits with additional medical expense benefits. The program considers all classes of business, including but not limited to government agencies, education, religious institutions, hospitality, entertainment, retail, and public entities. The program also covers a wide range of attack-types, such as knife and vehicular attacks, rather than solely deadly attacks committed with a firearm.
Special Features & Coverages:
• Primary 3rd Party Liability Coverage, for lawsuits arising from Workplace Violence /Active Shooter / Deadly Weapon Events.
• Costs of property damage
• Primary 1st Party Business Interruption and Extra Expense Coverage
• Crisis management
• No Exclusion for Vehicles / Employees / Terrorism / under 3 casualties / over 50 casualties
• No required deductibles or retentions.
• Business interruption coverage is included in the policy form for the ongoing operating expenses until the organization can resume operations
• Critical benefits for victims for Emergency medical care / Counseling / Psychiatric Care / Rehabilitation Expenses / Death and Disability Benefits / Funeral and Burial Expenses