What Is Active Assailant Insurance?

Active Assailant insurance (sometimes called Active Shooter insurance or Violent Incident insurance) is a specialized policy designed to respond to violent events involving weapons, whether they result in injuries, fatalities, or emotional trauma. It typically covers a wide range of costs that general liability or property policies may not address.

What Does It Cover?

While coverage varies by provider, Active Assailant insurance generally includes:

- Medical expenses for victims
- Death and disability benefits
- Counseling and crisis management services
- Business interruption or temporary relocation costs
- Legal defense and liability claims
- Property damage caused during the incident
- Reputational harm and public relations support

Who Needs It?

This coverage isn’t just for schools or high-traffic venues. Increasingly, small businesses, healthcare providers, nonprofits, religious organizations, and even municipal offices are purchasing Active Assailant insurance as part of a comprehensive risk management strategy.
If your location is open to the public, hosts events, or serves a vulnerable population, you should seriously consider this protection.

Why General Liability Isn’t Enough

Many organizations assume their general liability or property policy will respond to an active assailant incident. In reality, those policies often exclude acts of terrorism or intentional violence—or they impose very limited sublimits that may not be enough to address victim support or prolonged business closure. Even Workers’ Compensation has limitations when dealing with trauma-related claims or third-party injuries.

Real-Life Example

A nonprofit community center in the Midwest experienced a violent attack by a former client, resulting in multiple injuries. Their general liability policy provided only partial coverage for bodily injury and none for counseling, PR support, or crisis response. The organization ultimately had to raise funds to pay for victim services out of pocket—costing both money and community trust. An Active Assailant policy could have prevented this.

How Much Does It Cost?

Coverage can often be added for a few hundred to a few thousand dollars per year, depending on your organization’s size, risk factors, and location. It’s a relatively low-cost way to protect your people and your operations from catastrophic loss.

Preparedness + Coverage = Real Protection

Training and security planning are crucial—but they aren’t substitutes for coverage. Active Assailant insurance ensures that if the worst happens, you’ll have the financial resources and expert support to respond quickly, compassionately, and effectively.

We Can Help You Evaluate Your Exposure

Our team can walk you through real-world scenarios, review your current policies for coverage gaps, and provide Active Assailant quotes specific to your industry.

👉 Contact us to schedule a confidential risk assessment today.

Why Active Assailant Insurance Matters More Than Ever