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As more tragic shootings occur, insurance and risk management issues become important considerations.

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Active shooter event coverage. During an active assailant incident, bullets, explosions or the police knocking down doors to gain access to the interior will damage a building. If a business has the “special” cause of loss form, the insurer will probably cover the damages if the insured meets all other insurance provisions. (Photo: @prathaan – stock.adobe.com)

Are those firecrackers? Is a car backfiring? Perhaps there’s a disturbance of some kind. Today’s insureds rarely consider if an active shooter incident can occur on their property. Unfortunately, active shooter or “active assailant” incidents are more prevalent in the United States than ever before. Due to the increasing occurrence of this type of loss, businesses who face this situation may find themselves without coverage for many claims that arise post-event. These uncovered losses can include post-traumatic stress (PTSD) treatment, structural improvements of buildings, post-event security or uncovered workers’ compensation claims.

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