A disgruntled customer with a gun (not a Guest) entered a finance company's office. The gunman shot a visiting employee who was injured. The injured employee’s family flew in to be with him (WPV Travel Expenses), but despite multiple surgeries he died (WPV Burial Expenses). Another employee was shot and needed surgery and physical therapy. She was unable to work for a month, so a temporary replacement was hired (WPV Temporary Employees). The company’s office had remnants of blood that were removed (WPV Bio-Hazard Clean-Up). During clean-up, the company found a temporary location (WPV Temporary Location) but could only service existing customers. The inability to accept new business caused a loss of income (WPV Business Interruption).
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.
Ben, an employee at an IT company, worked from home (Remote Premises) and a courier made regular deliveries to his house. One day, a driver backed over a bush at Ben’s house. Ben called the driver’s supervisor to complain, and the driver was eventually fired. Later, the driver went to Ben's house and attacked him. The incident made the news. Ben's employer needed public relations (WPV Public Relations) and crisis management (WPV Crisis Management). Ben's house was blood stained, requiring clean up (WPV Bio-Hazard Clean-Up).
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.
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.
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.