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Workplace Violence is the second leading cause of work-site deaths in the United States.
Every week, nearly 20 workers are murdered at their place of work, according to the
National Institute of Occupational Health and Safety. Workplace violence
incidents can devastate a company, destroying its bottom line and threatening its survival.
Workers compensation policies cover on-the-job injuries, but they generally exclude coverage
for acts of lethal force or the threat of lethal force. That means that companies need separate
insurance coverage to protect against workplace violence. An incident of workplace violence
has the potential for producing substantial insurance claims. One of the biggest factors is
negligence and the question of whether the employer took reasonable precautions to reduce
the chances of a violent incident. Actions against an employer are becoming increasingly common.
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Broad expense coverage for workplace violence events
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Broad definition of workplace violence expenses
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Broad expense coverage for stalking threats
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Coverage for loss of business income
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No deductible will apply for most risks
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Death benefit
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Broad coverage for prior losses available
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Crisis management expertise included within the expense coverage feature
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