Policy Coverages

  • Claims-made/up to $100 Million limit/$10,000 deductible
  • Physical damage after/no minimum deaths to trigger
  • Risk assessment evaluation and training
  • 24-hour crisis management response

Policy Endorsements

  • Firestorm® Assessment/Web Training
  • Crisis Management/Counseling
  • Property Damage
  • Funeral Expenses

Industries Covered

  • Senior Living, Nursing Homes, Hospitals
  • Retail Operations, Hotels, Restaurants
  • Public Entertainment [Concerts, Cinemas, Parades]
  • Education Providers and Houses of Worship

“The ATS Advantage”
Video Presented by Eric Bossard

Commonwealth Insurance Advantage has introduced a new, add-on policy designed to assist a broad range of industries including assisted living, hospitals, retail, hotels, restaurants, entertainment venues, education providers and houses of worship. The specialty product is designed to assist insureds with unique exposure protection for “active violence” events.

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Apply today, coverage tomorrow! Click to download the application:


Are these exposures covered under my GL policy?

While many GL policies cover parts of these exposures, often times the proof of claim is not clear. A.T.S. removes the ambiguity, and provides extensive sub-limits should a covered event occur.

Where is this coverage available?

Coverage is available in all 50 states. Policies are underwritten by Beazley on Lloyd’s of London paper (A-rated by A.M. Best).

Who provides the crisis management solutions for this policy?

Firestorm® is the nationally recognized leader in crisis management. Since 2005, Firestorm® has assisted clients in transforming crisis into value by responding to some of the largest and most complex crisis events as well as combining best-practice consulting with proven crisis management expertise. Please visit their website for more information.

Who handles claims associated with this policy?

Beazley’s claims department handles all covered claims. Firestorm® is engaged for post-claim crisis management services.

What is the definition of a weapon under this policy?

The definition of “weapon” under this coverage is quite broad. It includes firearms, road vehicles, explosive devices, knives, medical instruments, corrosive substances, handheld instruments, and others. See policy for full definition of items.

Where can I learn more about the Active Threat Solutions program?

We are happy to provide you with additional information regarding our A.T.S. program. You can email us at, call us at (267) 513-1976, or fill out our contact form, and we’ll respond within 24 hours.

This new insurance program is a third-party liability coverage for lawsuits, on-site disaster assistance and counseling services, provided by industry leader and A.T.S. partner, Firestorm Solutions®. A.T.S. is unique in today's marketplace - providing essential coverage to small and mid-sized businesses or municipal operations.

Eric K. BossardPresident | Commonwealth Insurance Advantage

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