Active Assailant and Deadly Weapons Insurance

• Policy: Halo
• Capacity: Up to $20 million per location
• Availability: US Nationwide
• Insurer: Lloyd’s of London (AM Best rated A+)

Submitting Business

Paladin (Sabotage, Terrorism and Violent Acts Insurance)
Use our 24/7 Broker Connect portal to submit, quote, and bind.

Shield (Strikes, Riots, and Civil Commotion Insurance)
Send risk details directly to: [email protected]

Halo (Active Assailant and Deadly Weapons Insurance)
Send risk details directly to: [email protected]

General Inquiries
Email: [email protected]

• Primary liability coverage for lawsuits arising from bodily injury caused by either an active assailant or deadly weapons attack as defined in the insurance policy
• Property Damage and Business Interruption coverage up to the policy limits
• Accidental Death and Dismemberment sublimit of $50,000 per person
• Medical Expenses sublimit of $25,000 each and every loss occurrence
• Coverage against the threat of a deadly weapon attack
• Crisis management fees are unlimited and in addition to the policy limit (I.e. do not erode the policy limit)
• Coverage for a wide variety of weapons, including:
• Any portable firearm (loaded or unloaded)
  • Explosive device
  • Knife
  • Syringe
  • Medical instrument
  • Corrosive substance
  • Any other handheld device or instrument which is used to deliberately cause death or bodily injury
  • Any road vehicle that is occupied and used by an assailant to deliberately cause death or bodily injury
• Low deductible regardless of the underlying property policy

• Post underwriting review 
• Action plan webinar 
• Access to deadly weapons protection portal  

• Commercial Property
• Educational Property
• Hospitality
• Retail
• Stadiums & Entertainment Venues

These examples illustrate how coverage responds in real incidents and what support is activated when it matters most.

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Employee Shot After Being Denied Entry to Nightclub

Incident
An individual attempted to enter a nightclub through multiple entrances and was denied access by security. He then entered the hotel and was stopped by an employee. A verbal altercation escalated into physical violence. Gunshots were fired, and the employee later died from injuries sustained.

Response Provided
• Immediate crisis management consultation
• Executive guidance on Decisions. Actions. Words.
• Identification of key stakeholders and messaging strategy

Coverage Triggered
• Crisis management services
• Counseling
• Funeral expenses
• Biohazard cleanup
• Pre-claim legal counsel
• Investigation

Result
• Immediate leadership support during a critical period
• Funeral and counseling support for the victim’s family
• Counseling offered to employees to restore workplace stability
• Privileged legal investigation to protect evidence

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Vehicle Used as Weapon Following Bar Fight

Incident
Guests were asked to leave a bar after a disturbance. A fight broke out in the parking lot. A truck deliberately struck one individual and injured two others. The driver was detained by security until police arrived.

Response Provided
• Crisis management support
• Investigation
• Evidence preservation

Coverage Triggered
• Crisis management services
• Investigation

Result
• Support assessing exposure
• Guidance on stakeholder response considerations
• Stabilization support following the incident

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After-Party Escalates to Shooting

Incident
A restaurant hosted an after-party that exceeded occupancy limits. Guests brought outside alcohol, and staff struggled to manage the situation. A fight broke out inside the venue. As patrons exited, a masked individual fired shots in the parking lot.

Response Provided
• Crisis management consultation
• Executive guidance on Decisions. Actions. Words.
• Immediate appointment of legal counsel for privileged investigation
• On-site counseling for employees the following day
• Open-source intelligence review

Coverage Triggered
• Crisis management services
• Counseling
• Pre-claim legal counsel
• Investigation

Result
• Immediate stakeholder communication support
• Rapid deployment of legal and counseling resources
• Preservation of evidence and witness statements
• Review and strengthening of active assailant response procedures

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Two Employees Killed by Former Employee

Incident
Two employees were shot and killed by a recently terminated former employee. The suspect was apprehended two days later. Employees, including human resources personnel involved in the termination, experienced trauma.

Response Provided
• Crisis management
• Counseling services
• Social media monitoring
• Biohazard cleanup
• Temporary enhanced security
• Coordination of funeral payments
• Coordination with workers’ compensation insurer

Coverage Triggered
• Crisis management
• Counseling
• Biohazard cleanup
• Security services
• Funeral expenses
• Transportation expenses for victims’ families

Result
• Immediate victim and family support without out-of-pocket funeral costs
• Emotional support for impacted employees
• Protection of evidence and legal position
• Stabilization of operations during investigation period

Halo Policy – Sample