Active Assailant Insurance

The incidence of mass shooting events in the United States has been on the rise for years and there is no apparent end in sight to reverse the trend. The possibility of an individual entering your premises armed with a weapon (gun, knife, explosive, etc.) with the intention to do harm to others is real. The outcome of such an event can lead to catastrophic consequences and can put the survival of your business at risk. Active assailant insurance is available to protect your business and help it deal with the aftermath of such events, increasing the chances of its survival.

Active assailant insurance is a crisis management product designed to respond to events where an individual (who may be armed) enters your premises intent on causing harm to others. The individuals who may perpetrate such acts can range from current/former employees to complete strangers. The motives for someone committing such acts are many and the selection of target locations can be random. Places where large groups of people gather present higher risk, however small venues are not immune from the possibility of such attacks taking place.

Traditional insurance products are not well suited to respond to active assailant events. Commercial General Liability policies pay for the third-party bodily injury and property damage claims (caused by an “occurrence”) that you become legally responsible to pay. An occurrence is defined in the policy as an accident, including the continuous or repeated exposure to substantially the same harmful conditions.

How a commercial general liability policy responds to the bodily injury and property damage claims that arise from an active assailant event, and the extent of the business’ liability to said damages, will depend on the merits of each case. However; active assailant events bring with them additional costs and expenses that a commercial general liability policy will not cover such as the cost of hiring the professionals necessary to deal with the aftermath of the event.

Active assailant insurance is tailored to address the risks you face from mass shooting and similar crisis events. Said insurance provides programs that can train you to: (1) prevent incidents from occurring and (2) respond to them should they occur.

Active assailant insurance will be there with you to deal with the aftermath of active assailant events. It can help ensure that the actions taken after an incident are done to the best standards possible, thus increasing your likelihood of recovery. The professionals that an active assailant insurance policy provides, to respond to crises, are also available to provide advice before an event can occur, thus reducing its likelihood of happening.

Businesses across many industries can be targets of active assailants. Businesses who see large crowds visit their premises or who have high turnovers of employees pose greater risk. Active assailant insurance can be used to protect many business types amongst which are:

• Educational institutions
• Financial institutions
• Hospitality businesses
• Retailers
• Public venues and events
• Other industries/venues/events

The coverages offered by active assailant insurance policies include:

• Physical damage to your property
• Legal liability to third parties
• Business interruption
• Extra expenses
• Plus, additional coverages

Risk Reinsurance Holdings, Inc. is your source for crisis management insurance solutions, including active assailant insurance. As insurance brokers we work with insurance companies to find and select the most appropriate solutions to address your coverage needs. We can provide insurance solutions for businesses at risk of suffering active assailant attacks. Said solutions will help respond and deal with the aftermath of such events.

Try Risk Reinsurance Holdings today and leverage our expertise and market access to solve your insurance needs. You may follow the link hereunder to submit an inquiry form which would allow us to contact you to get the quoting process underway.