General liability answers slowly, partially, and only if you were negligent.
Cover for the costs that follow a violent attack at your premises or event — victim support, counselling, business interruption, security review and the response nobody has a plan for.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What active assailant businesses actually need.
Liability arising from the attack
Claims that the venue or organiser 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
Counselling, medical costs and payments made without waiting for liability to be established.
Without it — The organisation 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.
What active assailant operators 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 cover does respond it pays third-party claims rather than the costs the organisation actually faces first — counselling, 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 organisations, 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.
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.