Liability, crisis management, counseling, victim benefits, interruption, and property damage may sit in different insuring agreements.
Casualty and Excess
Active Assailant and Workplace Violence.
The response plan and the policy trigger have to meet in the same real-world event.
Active assailant or workplace-violence coverage may address specified liability, crisis-response, victim-support, business-interruption, property, or extra-expense costs following a defined violent event. Covered weapons, locations, people, thresholds, terrorism treatment, waiting periods, sublimits, and response services vary by policy.
Placement context
Facts to confirm before applying.
This is not a box to check under general liability. Start with the people and places exposed, then read the prevention and response plan against the proposed trigger. The insured should know who calls whom, which services arrive, what costs can be incurred, and when the policy considers the event covered.
Coverage scope
What the coverage may address.
Definitions of assailant, weapon, event, insured location, victim, terrorism, and threat can determine whether coverage begins.
Pre-incident services, hotline access, response vendors, consent, notification, and reimbursement should be understood before an event.
Placement factors
Facts that affect placement.
- Schools, religious institutions, healthcare, venues, events, hospitality, retail, or a distributed workforce
- Large public access, prior threats, difficult venues, or elevated security concerns
- A need for crisis services, victim benefits, interruption, or limits beyond standard liability
- Contract or board requirements calling for a specific violence solution
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Connect the exposure, prevention, response, and recovery plan to the requested policy trigger and services. Explain what the insured will do in the first hour and first week.
Include these facts
- Locations, occupancy, headcount, public access, hours, and event profile
- Security assessment, emergency plan, training, access control, and responder coordination
- Prior threats, incidents, restraining orders, corrective action, and losses
- Requested liability, crisis, victim, property, interruption, and response services
Resolve these questions before market review
- Which people and locations need protection, including off-site events and travel?
- How is a threat identified, escalated, communicated, and handed to responders?
- What event definition and weapon scope would make the coverage useful?
- Which immediate costs should the insured be able to authorize?
Submission errors
Avoid these three issues.
- Treating a generic emergency plan as an active-assailant plan
- Focusing on the liability limit while ignoring services, triggers, and sublimits
- Leaving off satellite locations, events, volunteers, students, visitors, or remote employees
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Special Events Supplemental
A fillable Hedge supplemental for one-time and recurring special events.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Active assailant & crisis management
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Private K-12 schools
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Churches & religious institutions
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageCasualty and Excess
Event and Entertainment Liability
An event is a temporary business with a deadline, a crowd, and no room to discover missing coverage after the gates open.
Open coverageManagement and Workforce
Employment Practices Liability
Headcount is a number. Hiring, managing, disciplining, and terminating people is the exposure.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.