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Workplace Violence Insurance Coverage

Workplace Violence Insurance Coverage in Los Angeles, California

 

If you are looking for Active Shooter Insurance & Workplace violence insurance, we offer world class concierge type of services throughout California with concentration in Los Angeles, Orange, Ventura, San Bernardino, Riverside, and San Diego Counties. We can provide coverage to all 50 States

Work place violence is a threat of physical violence, and often is paired with, harassment, intimidation and other threatening disruptive behavior that employees are sometimes faced with. It doesn’t only happen where the nature of the business comes solely in direct contact with their clientele or customers like a restaurant, nightclub or tavern, movie theatre, or a supermarket. Violence can be and often is verbal abuse which precedes the physical abuse. The violent act affects the safety and welfare of all employees. It is the duty of the employers to investigate and address any whisper of a threat that could arise to become a case of workplace violence or harassment. Violence is never acceptable and a toxic ticking time bomb is what nobody wants to have at work. Keep in mind – “SEE SOMETHING, SAY SOMETHING.” Employment practices and standards are lawfully in place to ensure safety of all employees. Workplace harassment and violence includes –

  • Threatening behavior which includes threats, damaging properties and throwing objects.
  • Verbal abuse doesn’t have to be direct name calling but can also include abusive metaphors terms and tonality.
  • Physical attack is when someone even lays a finger on you with intent to hurt is as wrong as pushing, punching, hitting or kicking.
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Harassment is a behavioral act intended to anger, provoke, demean, embarrass, humiliate, verbally. physically or sexually offend to the point it seems an assault on a person. These can include words, gestures, physical intimidation, bullying and/or other inappropriate behavioral activities. Work place bullying is a very common practice which affects the psychological health of a person and isolates them from the rest of the crowd in the work place. It’s almost always done in the guise that it’s no big deal, or the bully was just joking around. But we need to remember we often spend more time at work than we do at home so an enjoyable work environment is an important factor for the mental health of every individual. Work place violence can be reduced by identifying the risk factor and telling someone. The risk factor can be prevented and minimized if the employers take necessary precautions. The best example which an employer can set is a Zero tolerance policy for workplace violence. A doctor would tell you to remove the cancer to allow the rest of the organism to live and thrive instead of being sickened or killed by it. We can provide written Standard Operating Procedures to add to your Employee Handbook and Injury Illness Prevention Program (IIPP). Active shooter and workplace violence survival training, combined with smart infrastructure design incorporating many safety measures like proximity card readers, or keypad room locks, sally doors, which allow and restrict entry or exits, and administrative controls and camera monitoring can drastically reduce the possibilities of workplace violence incidences.

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We provide Active shooter and assailant insurance which covers incidents of workplace violence insurance which cover claims and expenses an organization incurs resulting from an active shooter or work place violence event throughout the United States. The policy coverages include medical expenses, death benefits, funeral expenses, property damage, business interruption, crisis consultation, victim therapy and rehabilitation costs, and public relations services and social media monitoring. The insurance covers the expenses resulting from an active shooter event or mass shooting event that happes on an insured premises or in the scope of the insureds work. It can cover third parties visiting your location and also if your employee is away visiting a client across town and the violent attack erupted there.

  • Death Benefits to the victims surviving families
  • Medical expenses as well as physical and occupational therapy
  • Mental health counseling and psychological rehabilitation

 

Loss of income the organization experiences due to an insured event for up to 90 days following the event.

  • Business Interruption and Extra Expense coverage
  • Burial and Funeral Costs
  • Property damage and replacement coverage

Insurance coverage for an Active Shooter event is also available as an endorsement on some Kidnap and Ransom or Kidnap Ransom and Extortion policies. Work place violence insurance is an absolute necessary coverage as it provides the proper protection for the employees against unknown random acts of violence. Keep in mind it also protects the business owners against the financial devastation, when the worst things happen so they respond and recover quickly. It is important to elevate the company’s Insurance as workplace violence has become all too frequent.

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Complete Coverage
  • NO Terrorism exclusions
  • NO Employee exclusions
  • NO Causalities threshold
  • NO Vehicle exclusion
  • NO Drone exclusion
Preferable Classes
  • School & Universities
  • Houses of Worship
  • Restaurants & Hotels
  • Retail Establishments
  • Manufacturing Plants
Application information
  • # of Employees
  • # of Students/Patients
  • # of Location
  • # of Years in business
  • # Hours of operation
Active Shooter Training
  • Client Focused
  • Individual Training
  • Corporate Training
  • Certification Program
  • Online or Onsite
ORGANIZATIONAL TRAINING

 

The FBI has defined an active shooter as “an individual actively engaged in killing or attempting to kill people in a confined and populated area.”

The Occupational Safety and Health Administration (OSHA) defines workplace violence as “any act or threat of physical violence, harassment, intimidation or other threatening disruptive behavior that occurs at the worksite.” The workplace violence can range from threats and verbal abuse to physical assaults and homicide.

Workplace violence and active shooter incidents continue to increase and evolve. Comprehensive coverage paired with in-depth employee training and support is essential to ensure individuals and organizations are the utmost prepared.

Spanning ideologies and unpredictable locations, these incidents are usually in crowded public areas and aim to create maximum panic. They can include:

  • Workplace violence
  • Disgruntled employees, customers, guests, students, volunteers or parishioners
  • Hostage situation
  • Active shooter

EAP: Employee Assistance Program

It is important to properly implement and promote an Employee Assistance Program (EAP). The effectiveness of any workplace violence program that includes active shooter preparedness is greatly enhanced in an organization with an active, well-known EAP presence. Agencies with active programs promote the EAP by issuing periodic statements from top management endorsing the program and reminding employees of the services offered by the EAP; having counselors attend staff meetings to familiarize agency employees with the counselors; having counselors give special briefings and seminars for managers, employees, and union stewards;

Violent workplace events can take place anytime. Laurence Taylor Insurance Services offer Organization Training to corporates where the employees can learn how to adapt and overcome situations during a confrontation with an active shooter incident. Workplaces or organizations should conduct active shooter drills to update their emergency preparedness plan. This makes the active shooter incident a foreseeable event and the workforce gets much better preparedness both at physical and mental level. Organizational training helps them to think on their toes and respond according to the situation.

CERTIFIED INSTRUCTOR

Active Shooter incidents are turning out to be progressively recurring instances in the news nowadays. In such a large number of cases, the assailants can incur mass injury and loss upon the  public before they can be stopped.It is a lamentable reality that presently, business and individuals should find ways to safeguard themselves from silly demonstrations of brutality like gun violence and mass shootings. Organizations and public administrations are particularly in danger and can be considered responsible for getting their clients and employees.

Each target group has different training needs. For example, members of the general public are less likely to attend formal training and could be exposed to essential information through posters, brochures, or radio and television spot announcements. Employees would benefit from briefings and participation in active shooter drills. On-site law enforcement/armed security, as well as external responders, would benefit from hands-on scenario-based training; knowledge of the facilities’ physical features such as entrances, exits, and construction features; and knowledge of and familiarity with the capabilities of the internal security force.

Why we are the best in business?

Our certified instructors are fully trained professionals prepared as per Department of Homeland Security guidelines and standards. They are industry experts with years of experience and knowledge in their given fields, with unique preparedness for Active Shooter incidents.Coming from world class foundations as previous US military Special Ops and Police with degrees and accreditations, these certified instructors, through our program, will guarantee that your workers get the information and preparing to incredibly work on their survivability in case of an Active Shooter incident occurs.

At Laurence Taylor Insurance Services, the training is provided by certified and potential instructors who are totally qualified to offer active shooter training solution. They aid you in understanding the surrounding better and teach some really crucial life-saving skills that come handy while someone faces the active shooter or a violent situation upfront. This makes the workforce more confident during such incidents and increases the survival rates immensely.

Individual Training

A major component of any active shooter program or plan is preparedness. The individual training program focuses on measures that can be taken to reduce the risk of violent behavior leading to active shooter incidents; as well as mitigate the impacts of violent behavior in should it occur.

Training and exercises are the best activities to help prepare personnel to react quickly and effectively in emergency situations. When considering training options for establishing awareness and providing appropriate responses to the threat of an active shooter, the institution and the authorities should conduct a thorough review to identify the best training approach for their facility occupants.

During an active shooter situation, the natural human reaction is to be startled, feel fear and anxiety, and even experience initial disbelief. You can expect to hear noise from alarms, gunfire and explosions, and people shouting and screaming. Training provides the means to regain your composure, recall at least some of what you have learned, and commit to action. A trained individual will more likely respond according to the training received and will not descend into denial, while the untrained will more likely not respond appropriately, descend into denial and helplessness, and will usually become part of the problem.

Training and support can include, but is not limited to:

  • Workshops and services

– Corporate reviews

– Security risk/crisis management policies and plans

– e-learning

  • Ongoing support

– Threat assessments including post incident support

– Behavioral assessments

– Site surveys including security staff SOPs

– Emergency management plans

– Incident management training/simulated incidents

An active shooting incident can catch anybody off-guard. However, the key here remains how one reacts during such circumstance. As these situations are completely unpredictable, one has to be prepared to respond in the correct manner to it. However, this does not mean preparedness pertaining to physical aspects but mental as well. Individual Training makes one more aware of their surroundings to ensure the response is beneficial enough to save lives. Laurence Taylor Insurance Services offers Active Shooter Training which is client focused and held both online or onsite.