With active assailant and political violence risks cementing their place in board-level corporate planning, McLarens has moved to bolster its crisis management capabilities in the US, naming a new team lead for its global WTPV practice.
Kevin Moran (pictured above) joins as executive general adjuster and US team lead for malicious assailant, war, terrorism & political violence, based in Chicago.
He brings more than 21 years of experience across insurance, crisis management, and security risk management, and joins from Crisis24, one of the world's largest global security response providers, where he handled active-assailant incidents, civil unrest, and large-scale evacuations spanning the Americas, Europe, and Asia-Pacific.
The structural backdrop underscores the appointment's timing. FBI data shows the US recorded 223 active shooter incidents between 2020 and 2024 – a 70% increase over the prior five-year period, though 2024 itself saw a notable year-on-year decline.
Willis Towers Watson data from the fourth quarter of 2025 puts North American terrorism insurance capacity at more than $2 billion, even as policyholders experienced an average price decrease of 10.4% during the period.
Active assailant incidents extend well beyond firearms – encompassing knife attacks, blunt force, vehicles, and explosives in public spaces. Munich Re's RiskScan 2024 flagged AI-enabled radicalization as a further emerging driver, identifying algorithms that intensify extremist messaging and recruitment as a growing contributor to politically motivated threats.
One of the more distinctive developments in the space is the emergence of pre-incident coverage. Mark Skinner, chief underwriting officer at Samphire Risk, has noted that product innovation now includes policies structured to respond to pre-incident indicators such as stalking or threats — areas where, as Skinner put it, "insurance can actually step in" before law enforcement becomes involved.
Such policies can also indemnify businesses for income lost due to a credible threat, even where no physical attack ultimately occurs.
The claims dimension is equally complex. John Turner, global director of crisis management at McLarens, said WTPV losses present distinct challenges at the liability stage.
"From an underwriter's perspective, while business interruption is often the initial loss driver, the far greater exposure can arise from liability," Turner said, adding that such claims require detailed analysis, documentation, and an understanding of liability to reach "informed, defensible decisions across the full lifecycle of a claim."
McLarens' WTPV team handles rapid, fact-based investigation and insurance reporting across multiple overlapping policies covering malicious assailant, terrorism, political violence, and workplace threats, with multi-policy coordination capabilities deployed globally.
Moran said the industry is reassessing how it responds to security-driven risks. "Malicious Assailant coverage is a fast-evolving area, and we can support our clients to understand their exposures, navigate their coverages, and manage these challenging events with confidence and care," he said.
