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.