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Bullet casings and broken glass on ground at crime scene

Active Shooter Insurance

Every American citizen has the right to bear arms. Most individuals are fully aware of the responsibility of owning a gun and treat them safely and with respect. Unfortunately, some individuals are irresponsible with these weapons and inflict violence on innocent people.

Unfortunately, mass shootings have become commonplace in today’s society. It has become the responsibility of businesses, schools, and other organizations to train and prepare their staff in the event that an active shooter arrives on the property.

Business owners who have already found themselves and their employees involved in a shooting incident are likely to have also found themselves the subject of a lawsuit when the victims or their loved ones try to find someone to blame.

It’s hard enough to deal with the aftermath of a shooting, let alone having to face liability claims. Training your staff and other individuals under your supervision is one thing, but it is also wise to take out active shooter insurance to protect yourself from resulting lawsuits.

Shooting Incidents on the Rise in the US

You never know where or when the next shooting incident will take place. What we do know, however, is that incidents are on the rise. With that, the probability of you experiencing an incident rises too.

So far, in 2019, the US has experienced 366 mass shootings. Some of these take place in everyday areas such as Walmart, a municipal building, or out on the street. Terrifyingly, 45 of those shootings have taken place in schools.

The most exposed sectors for active shooting incidents are:

  • Hospitals and healthcare centers
  • Amusement parks
  • Churches and other places of worship
  • Hotels and motels
  • Museums
  • Municipal buildings
  • Shopping malls
  • Schools and universities
  • Transport hubs

Risk Mitigation

Taking measures to reduce the risk of an active shooter incident is essential for business owners and owners of public buildings, such as clubs, bars, restaurants, concerts, office buildings, and more. In case you find yourself involved in a shooting incident, we recommend that you:

  • Develop or review written plans for dealing with active shooting incidents.
  • Ensure that everyone understands and can execute lockdown procedures and that they can raise the alarm with law enforcement.
  • Understand and share the “Run, Hide, Fight” national law enforcement guidelines.
  • Have a tried and tested communication method.
  • Have run thorough training sessions for all involved parties.

XINSURANCE Active Shooter Insurance

You may believe that you are already covered for active shooting with your general commercial policy. Shootings are a grey area. Some insurers may not pay out on the grounds that a shooting could be called a “terrorist incident.” This means you’re not only open to liability claims, but you could also face huge financial losses and even bankruptcy because the policy hasn’t done what you thought it would.

We are different. We believe that everyone deserves comprehensive coverage, no matter what the circumstances. We have over 30 years of experience in providing liability coverage to occupations, situations, businesses, and individuals that other insurers refuse.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Our active shooter insurance makes sure you are properly covered for 3rd party liability claims in the event that a mass shooting incident takes place on your premises.

Get A Quote for Active Shooter Insurance

Don’t deal with the devastation or liability of a mass shooting event alone. With XINSURANCE by your side, we can offer you some peace of mind.

If you’d like to discuss the importance of active shooter insurance with us, or if you’d like to receive a quote, you can call us at 877-585-2853. Our friendly team is waiting to speak with you.

Alternatively, our website has full information on our extensive product line, as well as detailing our “all-in-one” approach. Click to receive a quote or contact us via email: info@xinsurance.com with any questions.

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