3 Specialized Insurance Products Every Business Leader Should Consider

Give your team peace of mind—and your company a competitive edge.

1. Trauma Counseling

Experiencing a traumatic event can lead to a range of mental health conditions—from panic disorder and depression to substance use and even suicidal thoughts—all of which can cause people to miss work. Sometimes for days, sometimes for much longer. As a business leader, you no doubt would want them to begin to feel safe again, regain control, and move forward in their recovery as quickly as possible. Fortunately, trauma-focused therapies are highly effective—and our plans are quite comprehensive. 

ATI’s Trauma Counseling product includes:

• Individual therapy either in-person or online

• Coverage for aggravated assaults, sexual assaults, mass shootings, terrorist acts, and other incidents

• Access to a network of approved providers

• Specialized trauma-focused treatments like:

  • Cognitive Processing Therapy (CPT)

  • Eye Movement Desensitization and Reprocessing (EMDR)

  • Prolonged Exposure Therapy

  • Medication-assisted therapy

• Optional benefits for family counseling

This coverage gives people the tools to process trauma safely and recover on their own terms—with providers they trust.

2. Trauma Coverage

When someone experiences a traumatic event, the aftermath can be just as financially devastating as it is emotionally. That’s why ATI’s Trauma Coverage is one of our most preferred products—especially with medical professionals, first responders, teachers, and other roles where traumatic events are not uncommon. Our Trauma Coverage includes Trauma Counseling, plus additional benefits that support both short- and long-term recovery. 

Key benefits include:

• 100% of regular income from all employment sources—no waiting period

• Recuperation reimbursements, which covers out-of-pocket expenses related to:

  • Medical, dental, vision, and hearing care

  • Pharmaceutical needs

  • Addiction treatment related to prescribed medications

  • Lost wages of a family caregiver

• Student Financial Assistance: $100/day until the insured student returns to school or reaches the plan maximum

• Trauma Counseling: Full access to the services described above

• Accidental Death Benefit: A lump-sum payment to beneficiaries

This product ensures that individuals can focus on healing, not bills.

3. Workplace Violence Expense Insurance

No one wants to imagine violence affecting their workplace, but it happens. In fact, “acts of violence” is the third-leading cause of fatal occupational injuries in the United States. And while research has identified several risk factors—such as working where alcohol is served or working late at night—no one is immune.Want to really protect your staff and organization? Workplace Violence Expense Insurance is an incredible benefit to offer.

ATI’s Workplace Violence Expense Insurance includes:

Crisis Response & Security

• Fees for independent crisis-management consultants

• Security guards and threat-assessment services

• Public relations expenses to safeguard your reputation

Employee Support

• Salary continuation for affected employees

• Temporary staffing coverage

• Medical, dental, and mental health treatment

• Cosmetic treatments and rehabilitation services

• Occupational training courses to help victims return to work

Legal & Investigative Expenses

• Legal fees and litigation support

• Stalking and threat-related costs

• Loss-of-life benefits for employee victims

Optional Business Interruption Insurance

• Compensation for lost income and operational disruption (available by endorsement)

This policy also includes Accidental Death & Dismemberment (AD&D) benefits and extends vital coverage to support your organization’s continuity and culture.

Step Up As Business Leader

Employees who feel safe and supported are more likely to stay—and more likely to thrive. Give your team peace of mind—and your company a competitive edge. Offer trauma-informed coverage through American Trauma Insurance.