Many states have passed laws allowing citizens to carry concealed weapons such as guns, knives, etc. The laws may not clearly distinguish situations where a citizen should not carry a concealed weapon—and that is the danger for the employer. Bodily injury or death caused by a weapon wielded by an employee on company property can leave the employer open to lawsuits based on various theories, and the question of insurance coverage then arises.

An employer that allows customers on the business premises has to provide a reasonably safe environment. Customers invited to enter the premises for purposes connected with the business conducted there are known as business invitees. The duty owed an invitee by the owner of the premises is to exercise reasonable care to keep the premises reasonably safe and to warn of all concealed dangerous conditions. In a state with a concealed-weapon law, should the customer assume the sales clerk waiting on him or her is armed, or must the store post warnings? Even if the local informed citizen could be presumed to know of such laws, what about a customer from out of state? No easy answers exist.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2023 ALM Global, LLC. All Rights Reserved.