Mass Shootings and Insurance

Mass Shootings and Insurance

August 5, 2019 Uncategorized 0 Comments

Considering that there have been 250 mass shootings so far this year in the United States (in contrast, no other country has had more than three) it is surprising that we are not being flooded with inquiries about insurance coverage. Maybe most people simply assume a shooting is a covered event. For public entertainment businesses that is not a good assumption; assault and battery is probably excluded or limited, and firearm exclusions do not distinguish between insureds and outside shooters.

Policies are available to cover active shooter incidents. Possibly there will be more interest after the shootings in El Paso and Dayton; it’s also possible insurers will tighten their underwriting and insist on tighter security.

Needless to say insurance will not solve the problem of mass shootings; it will take better background checks, more security and zero tolerance for hate.




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.