WORKPLACE VIOLENCE & ACTIVE SHOOTER INSURANCE
Violent-threat insurance is not just a line item on a certificate. It can involve liability, crisis response, counseling, business interruption, property damage, medical expense, security consulting, public relations, and contract compliance. Kelly Insurance Group helps organizations review the coverage structure before an incident, not after one.
THE INSURANCE CONVERSATION AFTER A VIOLENT THREAT IS DIFFERENT
Workplace violence insurance and active assailant insurance may help organizations address expenses and liabilities connected to a violent incident, threat, assault, active shooter event, or related crisis. Policy forms vary, so the conversation should focus on what the policy actually says: who is covered, where coverage applies, what events trigger coverage, what expenses are included, and what exclusions or conditions could limit recovery.
OSHA describes workplace violence as any act or threat of physical violence, harassment, intimidation, or other threatening disruptive behavior that occurs at the work site.
The FBI defines an active shooter as one or more individuals actively engaged in killing or attempting to kill people in a populated area.
Insurance policies may use broader active assailant wording than “active shooter.” The exact trigger depends on the policy form and should be reviewed before relying on the coverage.
CLICK YOUR ORGANIZATION TYPE TO SEE THE COVERAGE CONVERSATION
This tool does not determine coverage. It helps you identify the questions that usually need to be reviewed when workplace violence, active shooter, or active assailant coverage is being considered.
WHAT MAY NEED TO BE REVIEWED
Workplace violence and active assailant policies are not all written the same way. Some forms are built around crisis response. Others focus on liability, business interruption, medical expense, security costs, or a combination of several coverage parts.
Crisis Response
Response consultants, crisis management, communications support, and coordination resources may be part of the policy depending on the form.
Victim Support
Medical expense, counseling, trauma response, or related assistance may be available when the policy specifically includes those benefits.
Business Interruption
Some policies may address income loss or extra expense after a covered violent incident disrupts normal operations.
Property Damage
Physical damage to owned or leased property should be reviewed against the active assailant form, property policy, deductibles, and exclusions.
Liability
Claims may allege negligent security, failure to warn, inadequate procedures, premises liability, or other theories. Coverage depends on the policies in force.
Security Hardening
Some forms may include post-incident security consulting, improvements, or related expenses. This should never be assumed without review.
THIS COVERAGE DOES NOT SIT ALONE
A violent incident can touch multiple policies at once. A strong review does not ask only, “Do we have active shooter coverage?” It asks how the entire insurance program responds if employees, guests, tenants, students, volunteers, patients, vendors, or event attendees are affected.
Third-party bodily injury, property damage, premises liability, and related allegations.
WORKERS COMPENSATIONEmployee injury, employee trauma, state-specific obligations, and employer coverage questions.
MANAGEMENT LIABILITYLeadership decisions, governance, employment-related allegations, and executive-level exposure.
CYBER INSURANCEThreats, extortion, digital communications, incident reporting, and data-related crisis issues.
UMBRELLA / EXCESSHigher limits and whether excess coverage follows the underlying policies as expected.
CERTIFICATESContract evidence, additional insured wording, event requirements, and proof of coverage.
WHEN A CONTRACT ASKS FOR ACTIVE SHOOTER OR WORKPLACE VIOLENCE COVERAGE
Some contracts, leases, venue agreements, school requirements, event permits, and vendor agreements may ask for workplace violence, active shooter, active assailant, negligent security, crisis response, or terrorism-related coverage. The right answer depends on the exact wording.
PUBLIC-FACING, PEOPLE-HEAVY, AND CONTRACT-DRIVEN OPERATIONS
This coverage conversation is especially relevant when employees, customers, students, guests, tenants, residents, volunteers, or event attendees regularly gather in one location.
WE CAN HELP YOU ORGANIZE THE COVERAGE QUESTION
Send us the operation type, locations, employee count, contract requirement, current policy information, and whether the coverage is being requested by a landlord, venue, school, municipality, client, or internal leadership team.
Kelly Insurance Group is proud of its team and history. Learn more about the people behind the agency, our background, and the way we work with specialty accounts.
WORKPLACE VIOLENCE & ACTIVE SHOOTER INSURANCE QUESTIONS
Is this the same thing as general liability?
No. General liability may address certain third-party bodily injury or property damage claims, but active assailant or workplace violence coverage may include incident-specific crisis response, counseling, business interruption, security consulting, or other coverage parts depending on the policy.
Does this replace a workplace safety or security plan?
No. Insurance is not a replacement for prevention, training, reporting procedures, emergency planning, physical security, or law enforcement coordination. The insurance program should support the risk management plan, not substitute for it.
Can this help with a contract requirement?
Possibly. Send us the exact contract wording. The requirement may use terms like workplace violence, active shooter, active assailant, negligent security, terrorism, crisis response, or higher liability limits. The exact wording matters.
What information should we send first?
Send the contract requirement, current policies, locations, employee count, operations, public-facing exposure, event exposure if any, security procedures summary, and prior incident or claim history if applicable.
Can customers access certificates later?
Once you become a customer, most customers are given access to our custom client portal where certificates of insurance can often be generated at any time, depending on the policy and certificate requirements.
CONTINUE THE COVERAGE REVIEW
DO NOT WAIT UNTIL THE CERTIFICATE IS DUE.
Send the requirement, current policies, and operation details. We will help you review what the coverage request is really asking for.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.