Workplace Violence Coverage

What You Need to Know

Workplace violence coverage is not a single, standalone policy — protection is scattered across multiple insurance policies, each covering different aspects of violent incidents, and understanding how these policies work together, and where gaps exist, is critical for comprehensive protection.

Coverage across multiple policies:

• General liability covers injuries to customers or third parties from violence on your premises, but may exclude assault and battery unless you purchase that endorsement
• Workers' compensation covers employee physical injuries but may not cover psychological trauma or counseling needs
• EPLI may cover claims that you failed to provide adequate security or ignored known threats, but coverage varies widely
• Business interruption typically doesn't cover closures due to crime or violence unless there's physical property damage

Why It Matters for Restaurant Owners

Workplace violence is a growing concern in the restaurant industry, particularly for establishments that serve alcohol, operate late hours, or are located in high-crime areas. Beyond immediate injuries, workplace violence creates cascading consequences: psychological trauma, business interruption while you close for investigation or repairs, expensive security upgrades, difficulty retaining staff, reputational damage, and potential liability for inadequate security.

Critical prevention measures:

• Adequate lighting and security cameras covering entrances, dining areas, and parking
• Secure cash handling procedures and drop safes to reduce robbery targets
• Employee training on de-escalating conflicts and handling threatening situations
• Clear procedures for calling police and background checks for all employees

Review all your insurance policies to understand what workplace violence coverage exists and what gaps remain, and consider specialized workplace violence coverage if you operate in a high-crime area, serve alcohol, or operate late hours.