Active Shooter / Workplace Violence Insurance

Managers and owners can maintain a secure environment for their business and rest easy at night when they “Think McGowan.”

McGowan Program Administrators Active Shooter / Workplace Violence Insurance Program

Exciting News: McGowan’s Active Shooter / Workplace Violence Insurance became TRIBUNALISED with Lloyds of London and granted Lloyd’s Coverholder Status. Read More

With the increased publicity of recent shootings McGowan’s Active Shooter/Workplace Violence Insurance, was recently highlighted in interviews with national news with Reuters / A.M. Best / The Wall Street Journal /  RISK&INSURANCE / Lloyd of London CHART Mag along with pod casts with PRIMA (Public Risk Management Association).  We feel education is critical and our local agents partners should reach out to the local media and community to do the same.

“Our goal at McGowan is to make sure every organization has proper coverage for these kinds of incidents,” Marshall said. “The added exposure is exciting because it means more businesses will be informed and take appropriate action to ensure that if tragedy strikes, they’re prepared for it. So many company leaders think they’re already covered for a tragic event like we often witness on the news, but, unfortunately, they’re not. School and organization leaders often find their general liability policies fall short of the cascade of bills and victims’ needs typically following a violent incident.”

McGowan’s Active Shooter/Workplace Violence Insurance covers liability and extra expenses tied to shootings, providing victim death benefits with additional medical expense benefits. The program considers all classes of business, including but not limited to government agencies, education, religious institutions, hospitality, entertainment, retail, and public entities. The program also covers a wide range of attack-types, such as knife and vehicular attacks, rather than solely deadly attacks committed with a firearm.


Join Our Webinars

Our ACTIVE SHOOTER / WORKPLACE VIOLENCE RISK & INSURANCE webinar happens on the second Tuesday of every month at 2 p.m. EST. Join upcoming webinars by clicking on the link below.


Product Overview

Eligible Classes:
We will consider all classes of business, here are some examples:
• Education • Religious • Retail • Entertainment • Hospitality • Lodging • Healthcare • Public Entities (County, Cities, Townships)

Carrier: “A” XV Rated Carriers

Territory: All 50 States


• Primary Liability:  $1MM – $100MM
• Business Income and Extra Expense:  $1MM-$100MM

Special Features & Coverages:

• Primary 3rd Party Liability Coverage, for lawsuits arising from Workplace Violence /Active Shooter / Deadly Weapon Events.
• Primary 1st Party Business Interruption and Extra Expense Coverage
• No Exclusion for Vehicles /  Employees  /  Terrorism /   under 3 casualties / over 50 casualties
• No required deductibles or retentions and we now provide coverage for traveling off site employees.
• Business interruption coverage is included in the policy form for the ongoing operating expenses until the business can resume operations
• Extra expense coverage for the business / insured related to:
-Hiring of Additional Staff /Public Relations Counsel/Crisis Management Consultant expenses/Temporary Security Measures/Reward Money (for post event investigation tips line)
-Critical benefits for employees and victims for Emergency medical care / Employee Counseling / Psychiatric Care  / Rehabilitation Expenses / Death and Disability Benefits / Funeral and Burial Expenses

Partnering with McGowan

Brokers who partner with McGowan gain access to an experienced team of professionals who understand the risks and what’s needed to protect these facilities.  McGowan’s “Power of the Pen” offers uniquely tailored policies with primary liability limits between $1 million and $25 million. With coverages available nationwide, brokers and owners can maintain a secure environment for their businesses and rest easy at night when they “Think McGowan.”

Download: Active Shooter/Workplace Violence & Threat Brochure
Download: Workplace Violence/Active Shooter Insurance Buyer’s Guide

Download: Active Shooter/Workplace Violence Insurance Application

Contact:  Paul Marshall

Learn more: Speaking Engagements/Conference Schedule

Did you know that each year nearly 2 million American workers are victims of workplace violence? In fact, according to Occupational Health and Safety Administration (OSHA), workplace violence is the second leading cause of work-site deaths in the US. With recent high profile workplace attacks, more businesses are boosting security efforts and taking added precautions to prevent acts of workplace violence. McGowan Active Shooter/Workplace Violence Programs understand these risks and offers a comprehensive policy to help companies respond and recover from such incidents.

Click Here to View our Active Shooter Video Series

Active Shooter/Workplace Violence Resources Page