Active Assailant

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Active Assailant events continue to be increasingly prevalent in the U.S. During the five-year period from 2017 to 2022, there were 192 such incidents. The number of events increased 52.5% from 2020 to 2021, with 40 incidents reported during 2020 and 61 in 2021. This upward trend is showing no signs of slowing down, according to the Federal Bureau of Investigation.

These acts of violence have occurred in schools, parks and businesses of all kinds, as well as at various public events. This puts all organizations at risk of the catastrophic impact and devastating loss associated with these events.

While we can’t predict when and where tragedy will occur, we can provide the policies, operational strategies and training to protect your employees and organization. We’ll make sure you have the support, guidance and means to overcome what may seem like insurmountable circumstances.

What is an active assailant event and how can it impact you?

The FBI defines an Active Assailant as one or more individuals actively engaged in killing or attempting to kill people in a populated area.

These events can cause serious harm to your organization and your employees.

  • Business is interrupted in the short term and long term.
  • Customers take their business to a competitor.
  • The building sustains damage.
  • Medical costs rise due to employee injuries or death.
  • Employees may decide to gain employment elsewhere.
  • Mental health services must be provided to remaining employees.
  • The organization may have to recruit and train new employees.

Oswald has a variety of tools to provide a world of protection around what matters most.

Legal Liability and Physical Damage: The organization will be legally responsible for certain damages following an active assailant event. In fact, many are under intense scrutiny for actions before, during and after the attack. This coverage will protect your actions.

Crisis Management and Post-Event Counseling: An active assailant event forces organizations to make decisions and provide services they hadn’t thought of before, such as crisis counseling for those involved and creating a public relations response for constituents. This insurance will cover those aspects and the unforeseen costs of funerals and health care needed as a result of bodily harm to employees.

Business Interruption and Employee Expenses: Employees and organizations can incur losses outside of physical damage and legal liability. There can be an interruption in the ability of the organization to operate, causing a loss of earnings. Customers may take their business to a competitor and employees might opt to work elsewhere. Coverage for additional expenses can help counter this perception and aid in recruitment to help replace employees that may have left following the incident.

Informant Reward: If an assailant were to escape from the scene of the crime and evade capture, the apprehension of the assailant will be a top priority. Using this coverage, your organization can offer a reward for the capture of the suspect.

As the number of incidents continues to rise across the country, all organizations are at risk. There is no single business, organization or geography that is immune to an active assailant event, though some are more susceptible than others, according to the FBI.

  • Commerce, Places of Business – 43.7%
  • Educational Institutions – 20.6%
  • Open Spaces – 13.4%
  • Government Facilities – 9.4%
  • Private Residences – 4.3%
  • Health Care Facilities – 4.3%
  • Place of Worship – 4.0%
  • Other – 0.4%
Active Assailant Incidents by Location

Between 2000 and 2018 there were 277 active shooter incidents in the United States. Here is the location breakdown.


Oswald can help you overcome such tragedy by designing a unique portfolio of coverage to protect your employees and your organization. Contact David Hosier, senior risk management consultant. He has extensive experience in leading global organizations through business continuity planning, situational awareness, and crisis response and management.

David HosierDavid Hosier, CBCP
Senior Risk Management Consultant
Oswald Companies

Learn more and connect with David here.


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