Overview of the Program from Irwin Siegel Agency
As a program administrator working with Aegis, Irwin Siegel Agency places specialized active assailant coverage for a broad range of public-facing and mission-driven organizations. The program pairs tailored insurance forms with risk-management tools and online training designed to improve preparedness and support recovery. You can use this program to place accounts that need focused coverage for violent incidents and the downstream operational impacts.
Coverage highlights
- Legal Liability – Defense and indemnity for damages an insured is legally obligated to pay following an incident.
- Physical Damage – Coverage for loss, damage, or destruction to insured property caused by an incident.
- Business Interruption – Indemnity for earned income and continuing operating expenses after a covered physical loss.
- Extra Expense – Payments for reasonable extra costs to continue operations or resume more quickly.
- Response Fees – Expenses incurred to avoid, minimize, or mitigate damage to property or persons.
Product enhancements and additional features
- Offsite extension for incidents that occur while insureds are working away from scheduled locations.
- Event cancellation extra expense coverage.
- Accidental death benefit for insured persons.
- Insureds can include clients/residents, volunteers, and guests.
- Grief counseling benefits for insureds and immediate family members.
- Vehicle coverage that includes all-terrain vehicles and snowmobiles where applicable.
- Relocation and emergency travel expense coverage.
Eligible classes
- Social and human service providers
- Academic institutions
- Healthcare providers
- Hospitality businesses, hotels
- Stadiums, venues, festivals, nightclubs
- Retailers, banks, transport hubs
Risk management & training
Irwin Siegel Agency pairs this program with risk-mitigation resources and online training to help insureds reduce exposure and improve response. Available courses include:
- Active Shooter Training – life-saving preparedness training developed with law enforcement subject matter experts.
- Violence in the Workplace – prevention and response education for employees.
- Intro to Site Security – foundational guidance on security controls and workplace protection.
Ideal accounts and appetite
This program fits organizations that maintain public access or gather large groups and that need comprehensive coverage for violent incidents and related operational losses. Typical good fits include:
- Behavioral health and social service agencies with walk-in clients
- K-12 and higher education campuses
- Hospitals, outpatient clinics, and long-term care facilities
- Hotels, event venues, stadiums, and festival organizers
- Retail centers and transportation hubs
Accounts with formal emergency plans, onsite security, or active risk-management programs are particularly well-positioned for placement.
Underwriting notes and minimum premium
Underwriting typically considers occupancy, capacity, security measures, prior loss history, and emergency response planning. Documentation such as security assessments, incident response plans, and training records will help during submission. Minimum premium: Varies.
Territories and admitted status
Admitted status: All Available States. This program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Please confirm state availability and admitted/non-admitted placement options at submission time.
Why place this business through Irwin Siegel Agency?
- Program administrator experienced in placing specialized coverages with Aegis.
- Integrated risk-management resources and online training to support insureds before and after an incident.
- Flexible enhancements that address both human and property impacts of active assailant events.
- Dedicated underwriting with a focus on public-facing organizations and mission-driven accounts.
Example scenarios
You might have a nonprofit community center that hosts public events and wants both liability and business interruption protection for violent incidents. Or a regional university seeks a program that pairs counseling benefits and event cancellation coverage with property and response fees—this program can be structured to address those needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Public-facing organizations with exposure to mass gatherings or walk-in clients—such as schools, healthcare facilities, venues, social service providers, and hotels—are the primary targets. Accounts with documented security or emergency plans are especially attractive.
What coverages are included and can limits be adjusted?
The program includes legal liability, physical damage, business interruption, extra expense, and response fee coverage, plus optional enhancements such as offsite extension, event cancellation expense, and grief counseling. Limits and sublimits can be tailored through underwriting depending on account size and risk profile.
What submission materials will underwriters want?
Underwriters typically request occupancy details, loss history, a summary of security and emergency response plans, staffing levels, and information about recent training or drills. Providing these items up front speeds placement.
Are risk-management tools and training included?
Yes. Irwin Siegel Agency pairs this offering with online training and other risk-management resources to help insureds prepare and reduce exposure. These tools are a key part of the program's value proposition.
How do I confirm availability and minimum premium?
State availability is listed on the program; admitted status is noted as "All Available States." Minimum premium varies by account—contact Irwin Siegel Agency for current minimums and to discuss a specific submission.
Need help placing an account? Connect with a market specialist.