News November 18, 2020

CFC’s active assailant insurance extends cover to businesses impacted by malicious attacks

CFC has expanded its suite of terrorism and sabotage insurance products to include standalone active assailant cover.

Sadly, active assailant events are becoming a familiar occurrence in cities across the United States, from disgruntled employees to lone wolf attacks on schools, churches and businesses. According to nonprofit Gun Violence Archive, there were more mass shootings across the US in 2019 than there were days in the year. They recorded 417 events in which four or more people were shot.

CFC’s active assailant policy covers businesses in the event of any premeditated physical attack that has the intention of killing or causing bodily harm, and isn’t restricted to political, religious or ideological events. Nor does it restrict what can be considered a ‘weapon’ for use in an assailant attack.

Going above and beyond providing cover for the insured’s legal liabilities, property damage and business interruption, CFC’s policy is specifically designed to provide cover for victims, customers and employees. This includes victim and organization support costs such as compensation for those injured and medical or psychiatric treatment, and crisis management costs.



The unpredictability of active assailant events only adds to the severity of their impact on the victims. We believe that insurance has an important role to play in mitigating the fall-out of these terrible events on the people and businesses affected. Immediate support is what they need and that’s what our active assailant cover provides. Ben Atkins, Terrorism Team Leader, CFC

CFC has been providing insurance for terrorism and sabotage events to the US market over a decade. Its terrorism underwriting team has tripled in that time and now writes this class in over 20 countries worldwide providing small and mid-size organizations a flexible and comprehensive alternative to government-backed cover.

“A business doesn’t need to be targeted directly to be impacted by the growing number of these events. They could be denied access to their premises for days while law enforcement officers investigate an incident. They could suffer a major drop-off in customers if people avoid the area after an event. Worse still, they could lose staff caught up in an event,” Atkins concludes. “Insurance policies like ours can help them survive not just financially, but also by offering a hand for impacted businesses to hold.”

To learn more about CFC’s terrorism and active assailant insurance policies: