Mass Shootings Increase – Insurance Is Available

Mass Shootings Increase – Insurance Is Available

July 9, 2018 Business Insurance and Risk Management, The Beacon Blog 0 Comments

According to a disturbing statistic posted at, there were 904 mass shootings in the United States in 2016 and 2017. This is a 30% increase from 696 mass shootings in 2014 and 2015. To put in another way, this is an average of 8.69 mass shootings EVERY WEEK.

This is not the place to discuss public policy on how to address gun violence. In a previous post I wrote about preventing and responding to mass shootings. This is an alert that first, none of these shootings were classed as terrorism, and second there is  insurance for both mass and individual shootings.

For large or medium sized organizations concerned with large scale acts of violence, there is coverage in the surplus lines market for events not requiring a determination of terrorism under TRIA. These policies can include coverage for property damage, business interruption, and extra expense with a sublimit for crisis management expense. Smaller organizations can purchase workplace violence expense as an endorsement to business interruption or employment practices liability. Some liability policies may exclude firearms; these insureds need an active shooter policy. Crisis management coverage endorsements may cover acts of violence, depending on their terms.

Ask your insurance broker for coverage, and stay safe.

About the Author

Harry Cylinder

Harry Cylinder, CPCU, ARM has spent nearly fifty years in the insurance industry, the majority of the time as a consultant. He has been employed by The Beacon Group of Companies since 2008, specializing in the review and analysis of property and casualty coverage forms. Mr. Cylinder has been reviewing policy forms as they have evolved over the past decades. In 2008 he published an article in the CPCU Journal which was the first description of cyber insurance coverage for a general insurance audience. Since that time he has regularly written on cyber and other topics for The Beacon Companies’ blog.