Assault and Battery
An extension to Protect Safeguard Plus for violence that involves no weapon, wherever your staff and the public meet face to face.
The risk
Acts and threats of violence often involve no weapon, yet assault and battery remain among the most common and under-insured workplace exposures. Anywhere staff and the public meet is exposed: shops, hotels, hospitals and care homes, schools, transport hubs, leisure venues, places of worship and public-facing offices.
What the policy does
The extension broadens Protect Safeguard Plus to cover claims arising from assault or battery. It pays the damages you are legally liable for, with defence costs, and investigates, negotiates and settles third-party claims on your behalf. It also covers physical loss of, or damage to, your property and contents arising directly from an incident.
Your active assailant cover, preserved
Many incidents fall outside the weapon-based Active Assailant definition. This extension closes that gap without changing what you already have: it is issued on a primary basis for certainty of response, and your Active Assailant cover stays fully intact.
Helps meet lender and landlord requirements
Lenders, landlords and investors increasingly require assault and battery cover as a condition of financing or a lease, as evidence of proper duty-of-care management. This extension helps you meet that obligation, with dedicated limits that sit outside your general property and liability programmes.
Assault & Battery Extension
For the incidents a weapon-based definition miss, such as assaults where no weapon is used.
Our Assault & Battery extension broadens your Protect Safeguard Plus policy to cover claims arising from assault or battery, closing a common gap in workplace violence cover while keeping your Active Assailant protection fully intact.
PROVIDES COVER FOR
- Third-party bodily injury claims and legal defence costs
- Damage to property and contents
- Investigation, negotiation and settlement of claims
- Dedicated claims handling support
INSURED EVENTS
Assault: An intentional act or threat that causes reasonable fear of imminent physical harm, where the person has the apparent ability to carry it out. Physical contact isn’t required.
Battery: Intentional, unlawful physical contact or force without consent, causing injury or offensive contact.
DOWNLOAD OUR FACTSHEET
Find the key policy benefits, limits and how claims are handled in one document you can keep on file. Share it with lenders or landlords, and see what's covered before an incident ever puts it to the test.
Contact Samphire
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Samphire and Samphire Risk are trading names of Samphire Services Limited which is an appointed representative of Davies MGA Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Samphire Services Limited is registered in England and Wales number 13421262. Registered Office: 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT, United Kingdom. Trading Address: Samphire Risk, 34 Lime Street, London, EC3M 7AT.
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