Insurance protects companies from unforeseen events and supports employees, victims, and even whole communities. Since the needs of insured change with the world, insurance has to expand, and in recent years, that means adding coverage for active shooter situations. Like all policies, active shooter insurance is something insured hope they never have to use. However, it’s an essential part of recovery if that day comes.

Increase in Mass Shootings

Mass shootings are the new normal in the U.S., and research indicates their frequency won’t abate any time soon. Unfortunately, this means continued tragedy and damage. Victims require complex care, and venues need resources to resume operations. Both instances have astronomical costs that survivors shouldn’t have to foot. The mental strain of financial burden shouldn’t be a concern for those trying to recover.

Victims Need Medical Assistance

Survivors of mass shootings need medical care for injuries sustained during the event. In some cases, individuals may require long-term assistance due to disability. Even survivors who don’t suffer physical injuries may develop mental health issues:

• Post-traumatic stress disorder
• Anxiety
• Depression

These invisible conditions take a considerable toll, as they interfere with individuals’ personal relationships, ability to work and sense of safety. Untreated, they can lead to self-medication with controlled substances, self-harm and even suicide.

Workplace Violence Interrupts Operations

The aftermath of a shooting leaves organizations in disarray as employees try to cope. Damage to equipment and infrastructure also complicates resuming operations. Active shooter insurance ensures enterprises have the resources necessary to get back on their feet.

Of course, the office isn’t the only place where mass shootings occur. Unfortunately, schools are a prime target for shooters looking to do as much damage as possible. After a school shooting, the district must provide counseling and other support to its students and staff, efforts that have a price tag. Insurance ensures students, teachers and administrative personnel receive the necessary help as they grieve the loss of peers.

Litigation Is a Risk

If survivors feel your company didn’t do everything in its power to prevent or minimize the harm of a mass shooting, you may be the target of a civil suit. When rebuilding an organization shaken by violence and loss, dealing with litigation is the last thing you need. An active shooter policy covers court costs and puts the burden of legal action in the expert hands of your insurance company so you can focus on taking care of your customers, employees and corporation.

Risk Management Can Prevent Casualties

The good news is that many insurance companies offer preventative advice with the help of risk management firms. These enterprises analyze a client to develop safety protocols and identify vulnerabilities. Implementing this advice can lower insurance premiums and, more importantly, save lives.

About PGUI

Professional Governmental Underwriters, Inc., is a full-service risk management company 
dedicated to assisting public, educational and non-profit entities in the management of their 
professional liability exposures including educators liability insurance. We are dedicated to 
providing state-of-the-art professional underwriting management and loss control advisory 
services on behalf of our designated carriers. For more information, call us toll-free at (800) 
586-6502.