Sonia V. Reyna

Malicious assailant events can involve workplace violence, domestic disputes entering workplaces, active shooter incidents, or credible threats that disrupt operations across US sites.
Claims often cross property damage, business interruption, general liability, and workers' compensation, making early coordination essential for insurers, brokers, and policyholders alike.
Business interruption may drive immediate insured losses when sites close, access is restricted, customer demand weakens, or reputational impact materially affects operations.
Later liability exposure often centers on foreseeability, duty of care, prior warnings, security systems, escalation practices, and how the insured responded to earlier incidents.
As this market evolves, these claims need coordinated, informed, measured responses grounded in technical expertise and broader context from start to resolution.

US Malicious Assailant Cover Is Rising

Adults ages 19 to 64 in expansion coverage must complete 80 hours per mo through work, volunteering, school, or approved participation programs.
Nationally, a budget office projects requirements will apply to 18.5M enrollees, with 5.3M projected to lose coverage by 2034 as rollout proceeds across required states.
Enforcement began May 1, 2026, eight mo before the federal deadline; remaining required states are scheduled by January 1, 2027, unless extensions apply.
Exemptions include caregivers, totally disabled veterans, older adults, qualifying federal benefit recipients, pregnant or postpartum people, medically frail adults, foster youth, and eligible Indigenous members.
Protect coverage now: update contact details, monitor official mail through Late-Q3 2026, gather exemption records, and call your state office with questions.