https://completemarkets.com/company/MidlandsManagementCorp/Active-Assailant/
IN 2017 ALONE THERE WERE 15,595 DEATHS and 346 mass shootings, and the frequency of these tragic events continues to rise. These attacks have impacted a wide range of industries and involved various types of weapons. The aftermath of such incidents can be devastating—disrupting operations, harming reputations, and putting a business’s future at risk. While these events are unpredictable, your clients can take proactive steps to prepare for and recover from them. Midlands Management Corp's Active Assailant program is designed to provide financial protection and specialized recovery support following a violent incident.
Midlands Management Corp offers solutions for Active Shooter/Assailant risks of any size and across all industries. Whether your client is a school, a healthcare facility, or an event venue, this program delivers critical support when it's needed most. You can place accounts with exposures ranging from localized workplace violence to large public-gathering risks.
Program Highlights:
Legal Liability: Coverage for damages and claim expenses your client becomes legally obligated to pay following an active assailant event.
Physical Damage: Indemnity for physical loss or damage to insured property resulting from the incident.
Business Interruption: Coverage for loss of income due to physical damage, denial of access, or substantiated threats to the insured location.
Crisis Response: Reimbursement for consulting fees and crisis response services related to the incident, including pre-event risk assessments.
Broad Definition of Weapon: Includes guns, handheld instruments, explosives, corrosive substances, vehicles, and more.
Extra Expense Coverage:
Enhanced security measures post-incident
Public relations and media management
Funeral, burial, and cremation expenses
Medical costs for insured individuals present during the event
Psychiatric counseling for trauma recovery
Forensic clean-up services
Repatriation of deceased victims
Job retraining for affected personnel
Target Classes:
Schools and educational institutions
Public transit systems
Shopping malls and retail centers
Hotels, resorts, and hospitality businesses
Hospitals and healthcare facilities
Residential housing complexes
Special events and festivals
Stadiums, arenas, and large venues
And more...
Underwriting Notes and Minimum Premiums
Midlands places business with multiple markets and tailors terms to the account’s size, industry, and risk profile. Minimum premiums vary by exposure and geography—the program is flexible and accepts submissions of many sizes, including complex or unusual risks. Typical underwriting focuses on location characteristics, crowd density, existing security measures, emergency response planning, and history of violence or threats.
Appetite and common restrictions:
Good fit: entities with public access, large gatherings, or heightened workplace violence exposure.
Requires detailed submission for high-capacity venues, schools, and healthcare campuses.
May decline or require enhancements for accounts without basic emergency plans or reasonable security controls.
Territories and Availability
This program is available in most U.S. states. Admitted options are available in select states. Available territories include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Contact Midlands to confirm admitted status and state-specific availability for a particular account.
Why Work With Midlands Management Corp?
As a specialized Managing General Agency, Midlands Management Corp combines deep underwriting experience with access to multiple carrier partners. Agents gain:
Flexible placement options across admitted and non-admitted markets
Responsive underwriting for time-sensitive submissions
Access to crisis-response resources and pre-event consulting
Experience with high-profile and high-severity exposures
If you’re placing clients concerned about workplace violence, public safety, or risks associated with mass gatherings, Midlands can help structure a tailored package to protect operations, people, and reputation.
Example accounts that fit this program
A midsize suburban high school seeking combined physical damage, liability, and trauma counseling coverage after a recent threat assessment identified vulnerabilities.
An urban concert venue with frequent large events needing extra expense coverage for enhanced security and public relations support after an incident.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for schools, healthcare facilities, hospitality businesses, event venues, public transit systems, and other organizations exposed to large public gatherings or workplace violence risks.
Is this coverage available on an admitted basis?Admitted policies are available in some states. Availability depends on the state and specific account details. Contact Midlands for more information.
What is the minimum premium for this program?Minimum premiums vary based on the type of risk, location, and scope of coverage. Midlands welcomes a broad range of account sizes.
What does the program cover beyond physical damage?In addition to property and liability coverage, the program includes crisis response, public relations, counseling, medical expenses, funeral costs, and more.
Can Midlands help with risk assessment and prevention?Yes, the program includes access to pre-event consulting and risk assessments to help clients identify vulnerabilities and prepare proactively.
Need help placing an account? Connect with a market specialist.