Many states have passed laws allowing their citizens to carry concealed weapons, and the National Rifle Association (NRA) seems intent on having state legislatures pass laws empowering citizens to shoot first and ask questions later. While such laws may make legislators feel good and some citizens feel safer, questions about liability exposures for insured employers pop out like the crack of a rifle shot.

If an employee, carrying a concealed weapon as permitted by state law, shoots a customer or a fellow employee and the employer is subsequently sued over the incident, will the general liability policy afford insurance coverage to the employer?

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