General liability answers slowly, partially, and only if you were negligent.
Coverage for the costs that follow a violent attack at your premises or event: victim support, counseling, business interruption, security review and the response nobody has a plan for.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What active assailant actually covers.
Liability arising from the attack
Claims that the venue or organizer failed to prevent or respond adequately.
Without it — A general liability policy may respond and may equally exclude assault and battery outright.
Victim and family support
Counseling, medical costs and payments made without waiting for liability to be established.
Without it — The organization is choosing between helping people and protecting its position.
Business interruption and loss of attraction
Income lost while closed, and the fall in attendance afterwards.
Without it — The revenue effect frequently outlasts and outweighs the physical one.
Crisis response and public relations
Immediate access to specialists in the hours when decisions are made badly.
Without it — The response is improvised by people who have just experienced the event.
Where active assailant shows up.
- Conventions & Trade Shows
Large indoor gatherings are the exposure this form was written for.
- Teams, Tournaments & Sports Events
Mass-participation events in public space are the profile this form addresses.
- Domestic Violence Shelters
An intruder is the risk every shelter plans for. Some general liability forms exclude or limit assault and battery, so read the form.
What clients with active assailant ask us.
Does our general liability not cover this?
Partly, unreliably, and often not at all. Many liability forms carry an assault and battery exclusion or a sublimit, and where coverage does respond it pays third-party claims rather than the costs the organization actually faces first. Counseling, closure, the security review, the funding of support before any liability is determined. That gap is what this form exists for.
Is this only for large venues?
No, and the buying has shifted. Schools, faith organizations, festivals, clinics, retail and offices all buy it now, and for many of them the trigger was a contract or a board asking whether it existed rather than a specific fear. Limits scale down sensibly for smaller operations.
What does it actually require of us?
Usually evidence that you have thought about it: a written emergency plan, staff training, a relationship with local law enforcement, and controlled access appropriate to the site. None of that is expensive, all of it improves the price, and underwriters treat its absence as the answer to a different question.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.