Mass Shootings and Insurance
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.