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With the escalation of active shooter incidents in our workplaces, schools, churches, and other public gathering spots, we hear a great deal about the injuries and deaths that result from these tragic situations. What doesn’t get as much attention is the financial impact that these events have on the institutions where they occur.

Using workplaces as an example, employers have a legal obligation to create and maintain a safe environment for their workers. Many businesses and organizations have found that implementing effective safeguards to deter shootings is a difficult, if not impossible task. Consequently, they face significant liability exposure. It’s not uncommon for active shooting victims or their surviving family members to file a lawsuit against the employer, claiming that it didn’t do enough to prevent or mitigate the incident.

Active shooter liability insurance can help an organization protect its assets in the wake of a shooting incident. However, many carriers don’t provide this coverage due to the significant risk exposure. XINSURANCE can provide customized solutions for this essential, but hard-to-find insurance.

active shooter insurance coverage
active shooter insurance coverage


XINSURANCE Can Provide the Right Solution

At XINSURANCE, we specialize in offering solutions for the most difficult liability risks that other insurers won’t touch. Whether an adverse claims history has caused a carrier to cancel or non-renew your policy or you can’t find the right coverage elsewhere, we’re ready to help. You’ll have true peace of mind knowing that you have a trusted insurance partner on your side.

What Is An Active Shooter?

An active shooter is someone actively trying to kill others within a confined space, usually where many people are gathered. Most active shooters act using a pistol, rifle, or another kind of gun. They target victims at random, attempting to shoot as many as possible. Shooters often act unpredictably, and the situation may change minute to minute, as they show no pattern concerning who they try to kill.

Active shooter situations usually last a short amount of time before law enforcement arrives. The whole situation may be resolved in minutes, but the damage has already been done.

What Can Active Shooter Insurance Cover?

This form of workplace violence insurance offers third-party liability protection. If an injured party or a family member files a successful lawsuit against the organization, the plan can cover the settlement or judgment award up to the limits of the policy. The insurance can also pay for any medical or funeral expenses stemming from the incident, as well as death benefits to survivors.

Other coverages that are available with some plans:

  • General liability: Covers third-party bodily injury and third-party property damage.
  • Medical expenses: Your policy may cover the medical costs of the victims of an active shooter. It can also support psychiatric care and counseling for victims traumatized by the incident.
  • Litigation: With the rise in active shooter incidents, organizations have seen their accountability rise from a legal standpoint. You may be sued if one of the victims deems your “duty of care” falls short of reasonable public safety measures. In the case of litigation, your policy can cover legal fees.

For an additional premium, XINSURANCE may be able to add the following coverages:

  • Crisis management: Covers the services of consultants and other crisis management professionals the insured hires to deal with the aftermath of the event.
  • Physical damage: Helps the facility owner pay to repair the damage to the property resulting from an active shooter incident.

Please note that XINSURANCE does not offer workers’ compensation insurance.

Typical Active Shooter Insurance Coverage Scenarios

Active shooter insurance may apply to the following situations:

  • A disgruntled worker opens fire on a group of coworkers, killing three and injuring eight others. A liability policy will cover the victims’ medical and funeral expenses. If the employer also carries physical damage protection, it will pay for the cost of repairing the building.
  • A survivor of a mass shooting incident decides to sue the company for not instituting adequate safeguards that might have prevented the incident. Active shooter liability insurance should help to pay for any lawsuit judgment, as well as the organization’s legal defense expenses.
  • A shooting causes a business to cease operations for 30 days to enable police to conduct an investigation and allow the company to repair the damage. If the organization carries business interruption coverage, this policy should compensate it for the loss of income.

Who Should Have Active Shooter Insurance?

Any place can benefit from active shooter insurance because this event could happen anywhere and it’s impossible to predict. Still, some places are more likely to have active shooter events because they attract a lot of people, offer easy accessibility, and are open to the public. Locations that are more prone to active shooter incidents include:

  • Schools and universities
  • Businesses
  • Churches, synagogues, and other places of worship
  • Municipalities
  • Concerts
  • Special events
  • And more!

When people venture into any of these places, they expect they will be kept safe. They may feel let down by organizations that do not take the proper steps to protect visitors from harm. Active shooter insurance can help repair public trust more quickly and assist with the necessary repairs to make your location presentable and attractive again.

Active shooter incidents happen all across the country. You should always be prepared for these incidents, wherever your business is located. Insurance for business shootings allows you to rehabilitate the image of your company or location on your timeframe so that you can reemerge stronger than before, and it enables you to pay for the emotional and physical damage of individuals present at the event.

Why Choose XINSURANCE as Your Active Shooter Insurance Partner?

XINSURANCE can provide customized insurance solutions based on your company’s unique needs. We offer all-in-one plans, which means we can cover all your liability exposures under one policy. Knowing that you’re properly covered will give you true peace of mind!

With our flexible underwriting, you’ll get the coverages, premiums, and limits that work best for your organization. We also offer risk management services that can reduce the likelihood of a large loss.

With our top-notch claims service, you’ll have less to worry about when a loss does occur. Our representatives are available around the clock to take your call. With our extensive claims expertise, you’ll get the best possible outcome for your situation.


Our simple application process delivers the fast results you expect and deserve. Start by filling out the short form at the top of the page and you’ll be directed to a form that let’s us learn a bit more about you and your business. Once submitted, our underwriters will review the app and contact you by phone to learn more about the risk. After the call, we’ll provide a free quote. Upon your approval and payment of the required premium, we’ll help issue your new policy.

To get your no-obligation quote, please contact XINSURANCE today. If you already have a policy, we can review it for gaps or exclusions that could leave you without protection.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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