🔥 ACTIVE ASSAILANT INSURANCE
Active Assailant & Active Shooter Insurance in Florida
Active assailant incidents—such as shootings, stabbings, or intentional acts of violence—can happen anywhere, and the financial impact can be devastating.
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- What Is Active Assailant Insurance
- Why Your Business Needs This Coverage
- What Does Active Assailant Insurance Cover
- What’s Not Covered
- Active Assailant vs Assault & Battery Insurance
- Who Needs This Coverage
- Cost of Active Assailant Insurance
- Get a Quote
Active assailant incidents—such as shootings, stabbings, or intentional acts of violence—are rare, but the financial and emotional impact can be devastating.
Standard general liability policies often exclude or severely limit coverage for these events.
At Prestige Insurance Group, we help Florida businesses secure Active Assailant Insurance that provides financial protection, crisis response, and support when it matters most.
👉 Call 305-969-8776 for a confidential quote
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What Is Active Assailant Insurance?
Active Assailant Insurance (also known as Active Shooter Insurance) is designed to protect businesses from losses related to violent attacks on their premises.
Coverage typically includes:
- Crisis management and emergency response
- Victim support and counseling services
- Medical expenses for injured parties
- Business interruption losses
- Property damage caused during the event
- Legal liability and defense costs
- Public relations and reputation recovery
- Nightclub & Bar Insurance Florida – High-Risk Coverage – Prestige Insurance Group
This coverage is often referred to as active shooter coverage or violent incident insurance
Why Your Business Needs This Coverage
Violent incidents can happen anywhere—and businesses are increasingly being held liable for security failures or lack of preparedness.
Without proper coverage, your business could face:
- Lawsuits alleging negligence
- Loss of income due to closure
- Significant out-of-pocket costs for victim support
- Long-term reputational damage
General liability alone is NOT enough..
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Who Needs Active Assailant Insurance?
This coverage is recommended for any business where people gather, including:
- Apartment buildings & HOAs
- Shopping centers & retail stores
- Restaurants, bars & nightclubs
- Schools & daycare centers
- Offices & professional buildings
- Hotels & short-term rental properties
- Event venues & entertainment spaces
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- Property Manager Insurance Florida – Coverage for Property Management Companies – Prestige Insurance Group
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⚠️ Most businesses discover coverage gaps AFTER a claim. Don’t wait until it’s too late.
What’s Typically NOT Covered?
Many business owners assume they’re protected—but most policies exclude:
- Intentional violent acts
- Terrorism (unless specifically endorsed)
- Assault & battery claims (often limited or excluded)
- Crisis response costs
- active shooter coverage
- mass shooting insurance
This is why a standalone Active Assailant policy is critical.
Active Assailant vs Assault & Battery Insurance
While both cover violent incidents, they are NOT the same:
Coverage TypeWhat It CoversActive AssailantMass casualty events, shootings, large-scale violenceAssault & BatteryIndividual fights, altercations, minor incidents
Most businesses need both coverages for full protection.
What Does a Policy Cost?
Pricing depends on:
- Type of business
- Location and foot traffic
- Security measures in place
- Revenue and occupancy
- Prior claims history
💡 Many policies are surprisingly affordable—especially compared to the potential risk.
Why Choose Prestige Insurance Group?
- Florida-based independent agency
- Access to specialty carriers
- Fast turnaround quotes
- Experience with high-risk industries
- Customized coverage—not one-size-fits-all
Get a Quote Today
Protect your business, your employees, and your customers with the right coverage.
📞 Call 305-969-8776
📩 Request a quote online
FAQs About Active Assailant Insurance
Is active shooter coverage included in general liability?
No, most policies exclude or severely limit coverage for these incidents.
Does this cover terrorism?
Some policies include it, but many require a separate endorsement.
Is this required in Florida?
No, but it is strongly recommended for businesses open to the public.
How fast can I get coverage?
Often within 24–48 hours depending on the risk.
Let’s Get Started
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