FAQs

$250 - $350 Billion each year

ⁱ https://whattobecome.com/blog/workplace-violence-statistics/

Refer to your policy for the wording that applies. A Workplace Violent Event means any intentional and unlawful use of deadly force by a natural person with the intent to harm which directly or indirectly results in Serious Bodily Injury or death to anyone on or within 100 feet of the Premises for a lawful purpose.

Refer to your policy for the wording that applies. Serious Bodily Injury means bodily injury to a person that involves a substantial risk of death, or that causes loss of consciousness, extreme physical pain, protracted and obvious disfigurement, or protracted loss or impairment of the function of a bodily member or organ. Serious Bodily Injury does not mean mental or emotional injury or distress regardless of whether or not accompanied by any physical manifestations.

Refer to your policy for the wording that applies. In general, no. The Workplace Violence Policy does not specify or limit coverage to specific weapons. A perpetrator could use a vehicle, fists or any other object to cause serious bodily injury.

Refer to your policy for the wording that applies. In general, no. The Workplace Violence Policy is much broader than “Active Shooter” and does not specify or limit coverage to specific weapons.

Refer to your policy for the wording that applies. In general, no. In the Workplace Violence Policy, Serious Bodily Injury is the trigger of coverage.

Refer to your policy for the wording that applies. In general, no. The Workplace Violence Policy does not have limitations which would trigger or restrict coverage, provided the triggered event occurs at a Premises.

Refer to your policy for the wording that applies. In general, yes.

Refer to your policy for the wording that applies. Employee(s) mean any person employed by you including Leased Workers, Temporary Workers, and Volunteer Workers.

Refer to your policy for the wording that applies. Premises means any buildings, structures, facilities, or properties that are owned, leased, rented, or occupied by you in the conduct of your business. Additionally, Premises shall include any building, structure, facility, or property where an Insured Person is required or approved by you to conduct your business at the time of the Workplace Violent Event (“Remote Premises”). A Remote Premises only qualifies as a Premises during those times when an Insured Person is utilizing the Remote Premises within the course and scope of employment or when the Remote Premises is otherwise actively being utilized by an Insured Person to conduct your business.

Refer to your policy for the wording that applies. In general, yes, subject to the Premises definition.

Refer to your policy for the wording that applies. No. Legal costs, expenses, settlements, judgments, penalties or other amounts incurred as the result of any claim, suit or judicial action brought against you or any other person or organization in connection with any Workplace Violent Event are not covered.

Refer to your policy for the wording that applies. With respect to Workplace Violence Expenses, this coverage will be primary.

With respect to Business Interruption, this coverage will be excess over any other valid and collectible insurance available to the insured for any Business Income Loss. However, if any other insurance contains a waiting period, then our coverage will be primary but only during the waiting period applicable to that other insurance. Once the waiting period ceases and coverage begins, then this coverage will become excess over that other insurance.

Refer to your policy for the wording that applies. In general, yes, if there has been Serious Bodily Injury to persons physically present during the attack.

Refer to your policy for the wording that applies.

Business Income Loss means loss of actual net income before income taxes that you would have earned or incurred during the Period of Restoration had no Workplace Violent Event occurred.

Workplace Violence Expenses means the reasonable and necessary fees and expenses, pre-approved in writing by us:

1. An independent crisis management vendor for up to (90) days following the date a Workplace Violent Event commences;
2. An independent public relations consultant for up to ninety (90) days following the date a Workplace Violent Event commences;
3. Crisis mental health counseling services for Insured Persons and Guests for up to ninety (90) days following the date a Workplace Violent Event commences;
4. Independent security guard services solely and directly for the purpose of protecting the Premises where a Workplace Violent Event occurred for up to fifteen (15) days following a Workplace Violent Event.
5. Bio-hazard clean-up expenses incurred to clean the Premises following a Workplace Violent Event.
6. Burial Expenses for an Insured Person(s) or Guest(s) that dies during or as the result of a Workplace Violent Event. Burial Expenses shall not exceed $10,000 per Insured Person or Guest(s), which is part of and not in addition to the Workplace Violent Event limit.
7. Rewards for information leading to the detection, arrest, and conviction of a perpetrator(s) not apprehended during a Workplace Violent Event. The maximum total reward offered regardless of the number of perpetrators shall not exceed $10,000, which is part of and not in addition to the Workplace Violent Event limit.
8. Extra expense incurred as a result of a Workplace Violent Event to rent or lease a suitable temporary location if the Premises where a Workplace Violent Event occurred are not tenantable, and/or to hire temporary employees necessary to continue operations for up to thirty (30) days during the Period of Restoration following the date of a Workplace Violent Event.
9. Travel Expenses incurred to reunite a spouse, parent, or child, subject to a maximum of two (2) family members, with an Insured Person or Guest(s) that suffered Serious Bodily Injury during a Workplace Violent Event. Travel Expenses shall not exceed $5,000 per Insured Person or Guest(s), which is part of and not in addition to the Workplace Violent Event limit.

Refer to your policy for the wording that applies. In general, options of $25,000, $50,000 and $100,000 are available.

Refer to your policy for the wording that applies. In general, the same as each Workplace Violent Event Limit.

Refer to your policy for the wording that applies. In general, a $0 deductible is standard.

Claims are handled by a specially trained TPA that has experience with violent events. The TPA is available during the daytime, evenings and weekends at the toll-free number 866-957-3138. The TPA guides policyholders thru the recovery process.

Refer to your policy for the wording that applies. There is no coverage for any loss or expense arising out of an actual or attempted theft or robbery, including a demand for money, securities or property.

Refer to your policy for the wording that applies. In general, no. (Texas policy holders may disregard this answer.) The following are excluded: Loss or expense arising out of declared or undeclared war, civil war, insurrection, riot, civil commotion, rebellion or revolution, naval or usurped power, governmental intervention, expropriation, nationalism, terrorism, sabotage, malicious damage, strike, invasion, coup or mutiny.

According to FBI statistics, 80% of active shooter incidents occur in the workplace. Approximately 2 million people a year are affected by some form of workplace violence.

ⁱⁱ https://www.shrm.org/resourcesandtools/hr-topics/risk-management/pages/fbi-active-shooter-work.aspx

In 2019, around 20 percent of all workplace deaths occurring to women were due to homicide, compared to 7.5 percent of all workplace deaths occurring to men.

ⁱⁱⁱ https://www.bls.gov/opub/ted/2021/homicides-and-other-workplace-assaults-by-gender-in-2019.htm

Yes, according to the Bureau of Labor Statistics:
-- 13% of “top executives” deaths; the percentage is double for “operations specialties managers”
-- 33% of “business and financial operations occupations”
-- 36% of “legal occupations”
-- 31% of “law enforcement workers”
-- 41% of “food preparation and serving-related occupations” -- with an even higher figure, 48%, for their supervisors
-- 46% for “sales and related occupations”
-- 66% for “retail sales workers”

^iv https://www.cnn.com/2014/09/27/us/workplace-violence-questions-answers/index.html

Most people assume that disgruntled workers are usually the culprit. However, that is not necessarily the case. As reported by the Bureau of Labor Statistics, in two-thirds of workplace homicides, the attacker has no known personal relationship with the victims.

^v https://www.bls.gov/iif/factsheets/archive/fatal-occupational-injuries-shootings-2013.htm

1. Personal relationship. The perpetrator usually does not have a relationship with the business but has a personal relationship with the intended victim.
2. Client. The perpetrator has a legitimate relationship with the business and becomes violent while being served by the business.
3. Worker-on-worker. The perpetrator is an employee or past employee who attacks or threatens another employee(s) or past employee(s) in the workplace.
4. Criminal intent. The perpetrator has no legitimate relationship to the business or its employees and is usually committing a crime in conjunction with the violence. These crimes can include robbery, shoplifting, trespassing and terrorism. Note that any loss or expense arising out of an actual or attempted theft or robbery on the Premises, including but not limited to the demand for money, securities, or property is not covered under the Workplace Violence policy.

^vi https://wwwn.cdc.gov/WPVHC/Nurses/Course/Slide/Unit1_5

Approximately 24% of workplace violence is related to personal relationships.

^vii https://www.workplacesrespond.org/resource-library/facts-gender-based-workplace-violence/

Some 2 million American workers are victims of workplace violence each year. Workplace violence can strike anywhere, and no one is immune. Some workers, however, are at increased risk. Among them are workers who exchange money with the public; deliver passengers, goods, or services; or work alone or in small groups, during late night or early morning hours, in high-crime areas, or in community settings and homes where they have extensive contact with the public. This group includes health-care and social service workers such as visiting nurses, psychiatric evaluators, and probation officers; community workers such as gas and water utility employees, phone and cable TV installers, and letter carriers; retail workers; and taxi drivers.

^viii https://www.osha.gov/sites/default/files/publications/factsheet-workplace-violence.pdf