Active Assailant First & Third-Party Liability

Active Assailant Liability is typically triggered when one or more armed persons are actively engaged in a premeditated violent attack to kill or attempt to inflict bodily injury or cause loss of life to another person(s). The policy is designed to offer cover for attacks using a wide range of weapons, including but not limited to, hand-held firearms, road vehicles, explosive devices, and corrosive materials. The policy is designed to respond when an event causes physical damage to property and / or three or more people (other than the perpetrator) sustain bodily injury or loss of life from an insured event.

Target Classes

  • Festivals

  • Tradeshows

  • Sporting Events

  • Conferences

  • Corporate Events

  • Theme Parks

  • Concerts

  • Carnivals


Limits of Liability up to $1,000,000 per occurrence and in the aggregate


  • Property Damage limit $25,000

  • Business Interruption limit $25,000

  • Denial of Access limit $25,000

  • Extra Expense limit $25,000

    • Crisis Management

    • Security Response

    • Relocation Costs

    • Medical Expense


  • Coverage for the Damages and Claim Expenses an insured is legally liable to pay following an event

  • Legal fees which form part of the overall policy limit (not in addition to)

Minimum premium as low as $1,000, based on the insured’s risk profile, size and limit purchased


Debbie Spinner
Underwriting Manager
P: 612-424-7934
M: 612-210-5313

Aristotle Moulopoulos
Production Specialist
M: 410-375-2973

The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. We encourage agents to read the full policy form and any applicable endorsements for full terms and conditions and encourage their policyholders to do the same. Alive Risk is a part of the Ryan Specialty Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. Alive Risk works directly with brokers, agents, and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516).
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