Foreseeability Has Changed

Executive summary

Workplace violence is no longer treated as an unpredictable anomaly. Insurers are reassessing how risk develops, moving from post-incident response to proactive mitigation grounded in behavioral escalation patterns. Foreseeability is being redefined — not as prediction, but as recognition. Organizations equipped to notice early indicators are increasingly viewed as lower risk, while those relying solely on reactive training face growing scrutiny.

Key themes

• Violence is increasingly understood as a process, not an anomaly
• Foreseeability is about recognition, not prediction
• Insurers distinguish between compliance and functional capability
• Proactive education alters the risk profile in actuarial terms
• Reasonableness evolves as understanding of escalation deepens