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📋 '''Active assailant''' is an insurance coverage category — sometimes marketed as active shooter or active threat insurance — designed to respond to incidents in which an individual or group deliberately attacks people in a populated location, such as a workplace, school, entertainment venue, or public space. This coverage emerged as a distinct product segment in the [[Definition:Specialty insurance | specialty]] market during the mid-2010s as mass-casualty events exposed gaps in traditional [[Definition:Property insurance | property]], [[Definition:General liability insurance | general liability]], and [[Definition:Workers' compensation insurance | workers' compensation]] policies that were never designed to address coordinated acts of violence. Policies are typically underwritten by [[Definition:Lloyd's syndicate | Lloyd's syndicates]] and specialist [[Definition:Insurance carrier | carriers]] with expertise in [[Definition:Terrorism insurance | terrorism]] and crisis management.

⚙️ A typical active assailant policy bundles several response layers: first-party coverage for property damage and [[Definition:Business interruption insurance | business interruption]], [[Definition:Liability insurance | third-party liability]] for bodily injury claims brought by victims, crisis response and counseling services, and sometimes threat-assessment consulting before any incident occurs. [[Definition:Underwriter | Underwriters]] evaluate the insured's security posture, occupancy type, geographic location, and emergency preparedness plans to set [[Definition:Premium | premiums]] and [[Definition:Policy limit | limits]]. Because frequency data is limited and each event is highly idiosyncratic, pricing relies heavily on scenario analysis and expert judgment rather than traditional [[Definition:Actuarial science | actuarial]] loss distributions.

🛡️ Demand for this coverage has grown steadily as organizations recognize that standard policies may exclude or sub-limit losses stemming from violent acts, especially those characterized as [[Definition:Terrorism insurance | terrorism]]. Schools, houses of worship, hospitality groups, and large employers increasingly view active assailant insurance not only as financial protection but as a gateway to proactive risk mitigation — since many programs include pre-event training and vulnerability assessments. For [[Definition:Insurance broker | brokers]], placing this coverage requires navigating a patchwork of overlapping and potentially conflicting [[Definition:Policy | policy]] forms across property, casualty, and specialty lines to ensure the client has no unintended gaps.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Terrorism insurance]]
* [[Definition:Specialty insurance]]
* [[Definition:Business interruption insurance]]
* [[Definition:General liability insurance]]
* [[Definition:Crisis management]]
* [[Definition:Workers' compensation insurance]]
{{Div col end}}

Definition:Active assailant - Revision history

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