Government studies estimate that there are about two million assaults and threats of violence made against workers each year. According to the Workplace Violence Research Institute, workplace violence costs businesses more than $36 billion each year.
Workplace Violent Event means any intentional and unlawful use of deadly force with the intent to harm which results in Serious Bodily Injury or death to anyone on or within 100 ft. of your Premises for a lawful purpose.
Serious Bodily Injury means bodily injury to a person that involves a substantial risk of death, 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.
No, our coverage 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.
No. Our coverage is much broader than “Active Shooter” and does not limit the weapon to a gun.
No. Serious Bodily Injury is the trigger of coverage.
Yes.
Employee(s) means any person employed by you including Leased Workers, Temporary Workers, and Volunteer Workers.
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.
Yes, subject to the Premises definition.
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.
Yes, if there has been Serious Bodily Injury to persons physically present during the attack.
1. 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, approved by us:2. An independent crisis management vendor for up to (90) days following the date a Workplace Violence Event occurs;3. An independent public relations consultant for up to ninety (90) days following the date a Workplace Violence Event occurs;4. Crisis mental health counseling services for your Employees and guests for up to ninety (90) days following the date a Workplace Violence Event occurs;5. Independent security guard services solely and directly for the purpose of protecting your Premises where a Workplace Violent Event occurred for up to fifteen (15) days following a Workplace Violence Event.6. Bio-hazard clean-up expenses incurred to clean your Premises following a Workplace Violent Event.7. Burial Expenses for an Insured Person that dies during or as the result of a Workplace Violent Event. Burial Expenses shall not exceed $10,000 per Insured Person, which is part of and not in addition to the Workplace Violent Event limit.8. 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.9. Extra expense incurred to lease a suitable location if your Premises are not tenantable, and/or hire temporary employees in order to continue operations for up to thirty (30) days during the Period of Restoration following the date of a Workplace Violent Event.10. Travel Expenses incurred to reunite a spouse, parent, or child, subject to a maximum of two (2) family members, with an Insured Person that suffered Serious Bodily Injury during a Workplace Violent Event. Travel Expenses shall not exceed $5,000 per Insured Person, which is part of and not in addition to the Workplace Violent Event limit.
Options of $25,000, $50,000 and $100,000 are available.
The same as each Workplace Violent Limit.
No.
No. Robberies are not considered a covered event. We do not cover any loss resulting from the use or threat of force or violence occurring on the Premises for the purpose of demanding money, securities or property including committing theft or robbery.
No. The following are excluded: Loss 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.
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 by the WV endorsement.
According to the American Institute on Domestic Violence, 18,700 acts of violence are committed by intimate partners and spouses (current and former) every year against women in the workplace. And sometimes, these incidents go beyond the intended target to harm other employees as well.
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.
Unfortunately, violence in the workplace is the new norm. This picks up known gaps. Most policies exclude Business Interruption losses without physical damage. Furthermore, Crisis Management Expenses are typically not covered in the underlying BOP or Package and Workers' Compensation typically would not extend coverage for mental anguish to employees who witnessed the Workplace Violence Event but were not physically harmed. Our Workplace Violence coverage is designed to keep your coverage as relevant and as up-to-date as possible; covering you for potential eventualities.