Is Politics Now a Hazardous Occupation?
Political violence in America has surged to record highs. According to Bloomberg’s analysis, we’ve seen more assassinations and attempts on politicians’ lives in the last five years than at any time since the 1960s. From campus shootings to rallies gone wrong, the threats are no longer rare, they’re becoming part of the job description.
That raises a question no one’s asking out loud: is being a politician now a hazardous occupation?
We’ve long had life insurance classes for dangerous jobs. Loggers, fishermen, deep-sea divers, even stunt performers. Their risk ratings are higher, their premiums steeper. But what about senators, representatives, and candidates on the campaign trail? In 2025, it looks like they belong on that list.
The insurance industry already writes coverage for riot, civil unrest, and terrorism. But there’s no standard product to cover the life of a politician against political violence. Why? Because insurance companies avoid anything that might actually cost them. They’d rather insure glass windows during a protest than a human life targeted for their political stance.
Society should be protecting elected officials better, first and foremost. But if we’re honest about the direction this country’s heading, don’t be surprised if insurers start sniffing around for ways to turn political polarization into a new profit line. “Hazardous Occupation Rider: Congressman, add 200%.”
Political violence is the antithesis of democracy. Yet in the insurance world, every risk is an opportunity. If politicians themselves become “uninsurable,” it’s not just a reflection of violence in the streets; it’s proof the system has already cracked.
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