One of the newest and most frightening exposures facing employers is workplace violence. Workplace Violence insurance coverage is protection against the expenses that a company can face resulting from incidences of workplace violence, including the cost to hire independent security consultants and public relations experts, as well as payment of death benefits and business interruption expenses.

Employers have a duty to provide each employee with a safe and secure work environment. The workplace should be free of hazards that could potentially bring harm or even death to the employee under federal and state OSHA regulations. Under this theory, an employer is vicariously liable for any actions committed by its employees within the scope of their employment.

At special risk are companies that:

• Deal with the public
• Exchange money
• Deliver goods and services
• Operate late at night

Even companies that do their best to provide a positive, fulfilling work environment face exposure to threats caused by:

• Criminals
• Disgruntled employees
• Angry customers
• Stalkers
• Other violence-prone individuals

Workplace violence incidents can be devastating, to a company. Conflict resolution can prevent violence in the workplace. Let us help you get your business environment back together after a workplace violence incident.

As employees try to beat the clock, meeting pressurized deadlines, how much stress in the workplace goes undetected? This stress might come from their work environment or their personal life. Sooner or later, employees or customers need to let off steam. You hope it doesn't result in violent behavior in your workplace.

Workers compensation policies cover on-the-job injuries, but generally exclude coverage for acts of lethal force or the threat of lethal force. That means you need separate insurance coverage to protect you against the aftermath of workplace violence.

Workplace violence is on the rise. According to Pinkerton Consulting's seventh annual survey of security professionals in the Fortune 1000, workplace violence ranked as the most significant concern for US businesses for the second year in a row.

Wherever workplace violence happens, employers suffer direct and indirect costs. Employers who fail to protect their employees against violence in their workplaces are subject to government citations and costly civil litigations and judgments.

Problems that relate to workplace violence:

• Compensation claims
• Insurance costs
• Lost productivity
• Counseling for employees
• Grievances
• Lawsuits
• Extra security

• Broad expense coverage for workplace violence events.
• Broad definition of workplace violence expenses.
• Broad expense coverage for stalking threats.
• Broad definition of stalking threat expenses
• Coverage for loss of business income
• Broad definition of business income
• Broad coverage for prior losses available
• Broad definition of insured, including the company and its directors and officers; employees, including seasonal, temporary, and leased employees; volunteers; and guests on the company’s premises.
• Death benefit of $25,000 for each employee victim up to the total limit of liability available.
• Crisis management expertise included within the expense coverage feature.
• Worldwide coverage.