Inside the shop (Premises), a knife fight between two customers (not Guests) left one customer dead. The killer escaped. Clean-up of chemical residue from the police investigation was needed (WPV Bio-Hazard Clean-Up). The shop was closed for ten days to replace damaged equipment and displays. The shop lost income during the closure (WPV Business Interruption) during which time security guards were needed as a precaution (WPV Site Security). Four employees saw the fight and were physically unharmed but needed counseling (WPV Mental Health Counseling). Six customers (Guests) in the shop at the time of the fight were traumatized and needed counseling (WPV Mental Health Counseling). Surveillance video captured images of the killer, which were publicized, and a reward was offered for information leading to his arrest (WPV Rewards).
The scenarios described here are offered solely to illustrate the types of situations that may result in claims. These scenarios should not be compared to an actual claim. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued.
The scenarios use terms from Workplace Violence coverage (“WPV”) that are in bold. Review your WPV policy for complete definitions. Coverages that may apply in a scenario are in parenthesis, in bold for WPV benefits.