Workplace violence costs American businesses over $300 billion annually. General liability and workers' comp won't cover it. We will.
Source: U.S. Bureau of Labor Statistics / OSHA 2021–2022
Perpetrator has no prior relationship with the employee or establishment — robbery, trespassing, or random attacks.
Violence committed by a client or customer of the employee or establishment during the course of service.
Violence that occurs between two or more employees within the same workplace environment.
Perpetrator has a direct personal relationship with an employee but does not work at the same establishment.
Up to $1,000,000
Up to $500/week for 6 months (7-day waiting period)
Up to $10,000 monthly
Up to $25,000 in qualified expenses
Up to $50,000 in coverage
$150 reimbursement for up to 10 sessions
Pays 1% of death benefit for up to 11 months
Pays up to 100% of the Life Benefit
Benefit amounts can be customized for your specific business. Coverage applies to qualifying workplace violence events — a misdemeanor or felony occurring on or off premises during normal work duties.
GL only covers harm your business does to a third party. It does not protect your own employees in a workplace violence incident.
May not pay if the injury stems from a personal situation or the employee is seen as the aggressor. No meaningful survivor benefits.
Over 50% of US workers believe their company doesn't take adequate steps to protect them. This coverage signals that you do.
WPV coverage is a meaningful, relevant benefit that sets your organization apart in a competitive hiring market.
Legislation in 10+ states now requires WPV prevention plans. Products like Safe4r help meet those requirements.
Media attention and regulatory scrutiny after an incident can cause lasting brand damage. Coverage helps offset litigation risk.
Highest WPV incidence of any industry. Rates vary based on number of employees and benefit level.
Average retail premiums on a per-location basis. Includes on and off-premise coverage and home-based businesses.
This is a named Blanket Accident policy issued by Nationwide Life Insurance Company (A+ rated, Columbus, OH). NWVSA administers the program and advocates on your behalf throughout the claims process. When you file a claim, you're not navigating the carrier alone — NWVSA manages the submission, follows up with Nationwide, and ensures your claim moves forward.
This is a policy requirement. The incident must be reported to the appropriate authority. If video surveillance captured the event, that may also be used to verify the claim.
Written notice of injury or death must reach NWVSA within 30 days of the covered loss. Include the employee's name, address, and policy information. NWVSA handles the submission to Nationwide on your behalf.
NWVSA will send claim forms within 15 days of receiving notice. Written proof of the nature and extent of the loss must be submitted within 90 days.
Once proper proof is received, Nationwide pays within 60 days. Benefits are paid directly to the injured employee or their designated beneficiary.
Benefit amounts vary by elected plan tier. Coverage applies to felonious assault while employees are performing assigned duties. Incidents must be reported to law enforcement within 48 hours.
When an employee is assaulted at work, the financial fallout is predictable — and largely uncovered by standard policies. Here are the four specific risks that create exposure.
Workers' comp covers medical but wage replacement is state-regulated, capped at 2/3 of wages in most states, and often delayed by adjuster review. An employee out 20 weeks waiting on partial comp checks is an employee updating their resume. WPV coverage pays $400/week directly from day 8 — no state formula, no adjuster bottleneck.
When your employee is assaulted, general liability is silent. It pays nothing to your staff. The entire cost of their recovery — hospitalization, rehab, long-term disability — falls on you or goes uncovered. That's the gap.
A serious assault can mean months of hospitalization ($3,000/month), extended rehab ($25,000), and wheelchair modifications to home and vehicle ($50,000). Neither GL nor standard workers' comp touches these. You're either paying out of pocket or facing an employee lawsuit.
An incident without coverage becomes a story about inadequate employee protection. OSHA scrutiny, media attention, and employee morale damage follow. This policy doesn't prevent the incident, but it signals — publicly and internally — that recovery costs are covered.
This policy does not cover civil lawsuit defense or settlements against the employer and is not a substitute for workers' compensation. It is a Blanket Accident policy that pays defined benefits directly to injured employees.
Select your employer type to see a realistic incident and exactly what the policy pays.
Gold Elite · 33 locations · $30.95/location/month
At $371.40 per location per year, every employee at every location is covered — less than the cost of one shift's worth of shrinkage at most retail stores.
Cashier assaulted during robbery. Hospitalized 22 days. Out 18 weeks. Police notified same night.
Employee 1 hospitalized 10 days, out 8 weeks. Employee 2 out 4 weeks, no hospitalization.
Each new accident triggers a fresh benefit limit. If either assault had been fatal, a $200,000 AD&D benefit would pay to the family on top of all other benefits. Figures based on Gold Elite at $30.95/location/month. Rehabilitation and counseling benefits subject to policy terms.
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For just pennies a day, workplace violence coverage lets you be proactive about protecting your business's most valuable asset — your employees.