Active Shooter Insurance Coverage
Specialty liability insurance solutions tailored to your needs.
Get StartedTrue peace of mind in business comes from knowing you can be covered for even the most unimaginable risks.
XINSURANCE provides that peace of mind with active shooter coverage, offering a safety net for the worst-case scenarios.
What is Active Shooter Insurance Coverage?
Active shooter incidents pose a significant risk to workplaces and public gathering spots, often leading to liability claims against businesses and organizations by victims or their families who believe there was a failure in preventing or mitigating these tragic events. Active shooter liability insurance is crucial for protecting organizations from the severe financial impacts of such claims. This coverage supports businesses by ensuring they are not financially devastated following incidents that are increasingly difficult to foresee and prevent.
It is hard to obtain such coverage but XINSURANCE is one of the few offering such solutions. And unlike many insurance providers, we are your insurance partner, committed to standing by your side when things go wrong. We are a reliable choice for those seeking true peace of mind and comprehensive asset protection in uncertain times.
Please note that in order to have active shooter insurance coverage from XINSURANCE, you must get a general liability (GL) policy through us as well.
Who Should Have Active Shooter Insurance Coverage?
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
- Places of Worship
- Music Festivals
- Special Events
- Retail Stores
- Shopping Malls
- Healthcare Facilities
- Concert Halls
- Theaters
- Sports Arenas
- Airports
- Train Stations
- Municipalities
- And More!
Active Shooter Liability Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Medical Expenses
Active shooter coverage may cover the medical costs of the victims of an active shooter, up to policy limits. 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, active shooter coverage can cover legal fees up to policy limits.
Crisis Management
For an additional premium, this can cover the services of consultants and other crisis management professionals the insured hires to deal with the aftermath of the event.
Physical Damage
For an additional premium, this can help the facility owner pay to repair the damage to the property resulting from an active shooter incident.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Active Shooter Insurance Coverage
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, also up to policy limits.
How is active shooter insurance different from general liability insurance?
Active shooter insurance specifically addresses the unique risks and potential financial impacts of an active shooter event, which may not be fully covered under a general liability policy or business insurance policy.
Are there special requirements for obtaining active shooter liability coverage?
XINSURANCE requires certain security measures or safety protocols to be in place or we may recommend enhancements as a condition of coverage.
Can active shooter insurance be bundled with other types of insurance?
Yes, XINSURANCE provides all-in-one specialty liability insurance solutions for businesses and individuals. You can get coverages like general liability, commercial auto, alleged assault and battery liability, professional liability, etc. all under one policy if it is appropriate for you or your business.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does active shooter insurance coverage cost?
The cost of active shooter insurance coverage is primarily influenced by the risk factors associated with the location and nature of the business or organization, including its size, existing security measures, desired coverage limits, and any previous claims history.
It is best to contact XINSURANCE and tell us more about you and your insurance needs so we can provide a personalized active shooter insurance quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
