In a world where organizations increasingly face risks from violent attacks, Active Assailant Insurance has become an essential safeguard. Starfish Specialty’s newly launched Active Assailant Program provides businesses and institutions with financial, operational, and emotional protection in the face of these unforeseen events. With comprehensive coverage designed to fill the gaps left by traditional policies Starfish’s Active Assailant Insurance program is at the forefront of this evolving market, ensuring resilience in the aftermath of a crisis and filling gaps in traditional liability policies.
Starfish Specialty can deliver a quote in just minutes through its streamlined broker platform. Competitive pricing and comprehensive coverage ensure that businesses and institutions have immediate access to the protection they need. “Our mission is to make comprehensive coverage more accessible and efficient than ever before,” says Karl Seebacher, Program Manager for the Active Assailant Program. Seebacher emphasizes, “This coverage is not just about financial recovery—it’s about helping communities heal and businesses continue operating. In times of crisis, we want our clients to focus on recovery, not red tape.”
Real-World Examples of Coverage Activation
High-profile incidents in the news highlight the necessity of such protection. Consider the following scenarios:
- Educational institutions: A high school faces an active shooter situation, leading to physical damage, emotional trauma, and business interruptions. Starfish’s policy provides immediate victim benefits, such as medical and counseling expenses, and funds for temporary relocation, ensuring the school’s operations resume swiftly
- Healthcare facilities: A violent attack in a hospital affects patients and staff. The policy covers not only medical expenses for victims but also temporary security enhancements, public relations services, and business interruption costs
- Retail establishments: A retail store experiences a violent threat resulting in a government-mandated closure. Starfish’s coverage for denial of access compensates for lost income during this period
Why Starfish Specialty’s Coverage Stands Out
- Immediate support: Unlike standard General Liability insurance, which only triggers after legal liability is determined, Starfish’s policy starts providing benefits on day one with no deductible
- Comprehensive victim benefits: Beyond the obvious medical and counseling support, the policy offers rehabilitation expenses, lump-sum payments for disability, and funeral costs, ensuring victims and their families receive holistic care
- Business continuity: Starfish helps businesses quickly resume operations by covering temporary relocation costs and business interruption losses—even in the absence of physical damage
- Proactive crisis management: The inclusion of 24/7 crisis response services and public relations support allows organizations to focus on recovery while experts handle logistics
- Flexible coverage extensions: Optional endorsements provide protection for off-premises incidents involving employees and students, addressing threats during business travel or school events
A Shield for Communities
Seebacher notes, “In crises, the key to recovery is swift action. Our policy empowers organizations to meet immediate needs, rebuild trust, and restore normalcy with comprehensive support.” This sentiment reflects the program’s broader mission: to protect not only assets but also the lives and livelihoods of those impacted.
A Call for Preparedness
Whether you’re a small business, a healthcare facility, a church, or a school, investing in Active Assailant Insurance is an act of foresight and responsibility. It protects against economic trauma, ensures legal safeguards, and demonstrates a commitment to the safety and well-being of your community.
For more details about the program, visit Starfish Specialty Insurance or email Karl Seebacher at kseebacher@starfishspecialty.com