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.