A marketing representative (Employee) visited company headquarters. During a dinner to discuss a new marketing strategy, a fight broke out in the restaurant (Remote Premises). The representative was severely injured and taken to the hospital, where she remained for a week. Her family visited her at the hospital (WPV Travel Expenses). Other employees at the dinner were not physically injured but were devastated and sought counseling (WPV Mental Health Counseling).
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.