Active Shooter Insurance for Educational InstitutionsFebruary 21, 2022
It is an unfortunate fact that today’s educational institutions need to be aware of and prepared for possible active shooter events. That means putting together a response plan, training staff, and drilling both staff and students for preparedness. It also means having the right insurance to cover damages if your institution is found to be partially liable for the event. This can happen because of a variety of allegations, even when institutions attempt to be prepared.
- Holes in security oversight or operations
- Lack of follow-through on threats, or the perception of it
- Lack of follow-through when students begin exhibiting violent behavior to lesser degrees
- Poor staff response to fully realized plans and training
When your institution owes damages because of these liabilities, active shooter insurance provides the financial assistance that keeps your budget from being consumed by the judgment. In some cases, it can be the difference between a school remaining open and having to shutter.
Does Your Liability Policy Cover Shootings?
Some educational institution liability coverage is designed for all your liabilities and carries active shooter coverage. Many traditional programs exclude it in favor of covering liability basics like errors and omissions insurance for teachers, civil rights liability, and other day to day risks that can add up quickly. In those cases, you need a policy to specifically cover the unlikely event of a shooting if you want a complete risk management portfolio.