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Workplace Violence

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What is Workplace Violence Liability Insurance?
Workplace violence is the second leading cause of work-site deaths in the United States. According to the National Institute of Occupational Health and Safety, every week nearly 20 workers are murdered at their place of work. While Workers Compensation policies cover on-the-job injuries, they generally exclude coverage for acts of lethal force or the threat of lethal force.

Workplace Violence policies can include:

  • Broad expense coverage for workplace violence events

  • Broad definition of workplace violence expenses

  • Broad expense coverage for stalking threats

  • Coverage for loss of business income

  • No deductible will apply for most risks

  • Death benefit

  • Broad coverage for prior losses available

  • Crisis management expertise included within the expense coverage feature

Claim Example

Why it’s smart to have Workplace Violence Insurance
A company fired an employee for non-performance. In the past, that employee threatened that he would retaliate against his supervisor if he ever lost his job. Immediately after his termination interview, he became angry, pulled out a knife from his desk, and claimed he would make the company pay for him being fired.