With the escalation of active shooter incidents in our workplaces, schools, churches, and other public gathering spots, we hear a great deal about the injuries and deaths that result from these tragic situations. What doesnāt get as much attention is the financial impact that these events have on the institutions where they occur.
Using workplaces as an example, employers have a legal obligation to create and maintain a safe environment for their workers. Many businesses and organizations have found that implementing effective safeguards to deter shootings is a difficult, if not impossible task. Consequently, they face significant liability exposure. Itās not uncommon for active shooting victims or their surviving family members to file a lawsuit against the employer, claiming that it didnāt do enough to prevent or mitigate the incident.
Active shooter liability insurance can help an organization protect its assets in the wake of a shooting incident. However, many carriers donāt provide this coverage due to the significant risk exposure. XINSURANCE can provide customized solutions for this essential, but hard-to-find insurance.
At XINSURANCE, we specialize in offering solutions for the most difficult liability risks that other insurers won’t touch. Whether an adverse claims history has caused a carrier to cancel or non-renew your policy or you can’t find the right coverage elsewhere, we’re ready to help. You’ll have true peace of mind knowing that you have a trusted insurance partner on your side.
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.
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.
Other coverages that are available with some plans:
For an additional premium, XINSURANCE may be able to add the following coverages:
Please note that XINSURANCE does not offer workers’ compensation insurance.
Active shooter insurance may apply to the following situations:
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:
When people venture into any of these places, they expect they will be kept safe. They may feel let down by organizations that do not take the proper steps to protect visitors from harm. Active shooter insurance can help repair public trust more quickly and assist with the necessary repairs to make your location presentable and attractive again.
Active shooter incidents happen all across the country. You should always be prepared for these incidents, wherever your business is located. Insurance for business shootings allows you to rehabilitate the image of your company or location on your timeframe so that you can reemerge stronger than before, and it enables you to pay for the emotional and physical damage of individuals present at the event.
XINSURANCE can provide customized insurance solutions based on your companyās unique needs. We offer all-in-one plans, which means we can cover all your liability exposures under one policy. Knowing that youāre properly covered will give you true peace of mind!
With our flexible underwriting, youāll get the coverages, premiums, and limits that work best for your organization. We also offer risk management services that can reduce the likelihood of a large loss.
With our top-notch claims service, youāll have less to worry about when a loss does occur. Our representatives are available around the clock to take your call. With our extensive claims expertise, youāll get the best possible outcome for your situation.
Our simple application process delivers the fast results you expect and deserve. Start by filling out the short form at the top of the page and you’ll be directed to a form that let’s us learn a bit more about you and your business. Once submitted, our underwriters will review the app and contact you by phone to learn more about the risk. After the call, weāll provide a free quote. Upon your approval and payment of the required premium, weāll help issue your new policy.
To get your no-obligation quote, please contact XINSURANCE today. If you already have a policy, we can review it for gaps or exclusions that could leave you without protection.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies wonāt or canāt. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies wonāt or canāt. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
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