Active shooter: Unique coverage for a unique risk

In this Oct. 4, 2017, file photo, part of Reno Ave. near South Las Vegas Blvd is blocked with police tape in the aftermath of a mass shooting in Las Vegas. (Photo: Marcio Jose Sanchez/AP)

Another mass shooting shook the nation last weekend when a gunman randomly fired into the crowd at the Gilroy Garlic Festival in Northern California, killing at least three people, including two children, and injuring at least 12.

Mass shootings in the U.S. have spiked in the past few years and more insurers are responding to the growing demand for active assailant insurance coverage, which offers specialized policy components that are not found in traditional general liability policies.