School Shooting Insurance Examined

******* **-******** **** ***** *** ******.

Structure ** ********

****** ********* *** ********* ******* ** general ********* *********. ******* ********* ********* offers ********** *** ***** ****** *** negligence ******* ** ****** **** ** bodily ******, ******** ******, ************ ********, sexual **********, *** *********** ******. ******** cover ***** **** *** ******* ** to ********* ********* ******. **** ********* are ** ******* ** ************ ******** typically ******* ***** *** ********.

********* ********* *** *******, ********* ************ for *** **** ********* ******* **** carry, ** ********* ** *** ***** level, *** ******* *** ***** *** vary ********* ** *** *****. *******, policies **** **** *****:

• ****** ******: ** * *******, ***** member, ** ******* ** ******* ** the ******** ** ****** ******-******* ******, such ** ***** ***** ** ****** shootings, ********* ********* *** ***** *******' medical ********, *** ******'* ***** ****, and ********** **** ********.
• ******** ******: ** ******** ********* ** the ******, **** ** * ****** bus, ************ ******* ******** ********* ** a ***** *****, *** ********* *** pay *** ******* *** ***** *********.
• ******** ******: **** ****** ** *** policy ***** **** ***-******** ****, **** as **********, *****, ** *********** ******. The ******** ******** *** ***** ******** for *** ****** *** ***********

******** *** **** ***** ********** ******** options *** *******, **** ** ************ for **** *** *********** **** ** behalf ** *** ******, ******** ***** of ******, ** ******** ******** ********* the ******** ****** *****. ********"****** *******" *** ********* *********** **** ***** ******* *****, **********, and ***** ******** ** ****** **********.

**** ******* *** ********* ** ******** for ******** **** ********* *********,*********,****** ******,*** ********, ******** ******** ********* *****.

Regulatory ************

** ** ******* *** ****** ** require ****** ******* ** **** ********* insurance ******** *******, *** **** ****** districts ****** ** ****** ** ***** to ***** ********** ** *** ***** of * ********, ******* *****, * broker ************ ** ****** ****** ******** with******* ********* ********, **** ****. *******, *** ** the **** ******* ********** ******** & casualty ********* ********** ** *** **, handles ****** ********* ******** **********.

*** **** *****, ***** **** ******* all ******* ** **** ********* *********,*** * *************** ** "**** ***** ** *********, trustee ** ********, ** *** ****** district ****** * ********** ** **** than *** *******, *** **** ***** of *********** *********** ********." *** ******* states **** *** *********:

**** ******** *** ******* *** ********, practice ** ***** ********, ********** ************ in * ****** ********* *******, *** members ** *********** *** ************** ***** or ********* ****financial **** ******* *** ** *** *****, ******, **** ** ******** ** ****** ** ******* ********** ** ***** *** ********* ** ********** ****** ****** ** *** ******, ** ********** ****** ** *** ******** ** *** ****** ****** ** ******* *** ****** ********, provided such teacher, practice or cadet teacher, authorized participant in a school volunteer program, or member of the supervisory or administrative staff or employee at the time of the accident or injury was acting in the discharge of his duties within the scope of his employment or authorized volunteer duties and/or under the direction of said board of education, trustee, trustees or board of cooperative educational services [Emphasis Added.]

****** ******* *** **** ** ******** to ******** ********* ********* ** * condition ** ***** ** **** *********, Gowan ****.

Aftermath ** **** *********

** *** ***** ** * ******* claim, *** ****** **** **** ** notify *** ********* ******* ********. *** insurer **** **** ******* ** *************, provide ***** ******* ** *********, *** negotiate *********** ** ****** ** ****** of *** ******.

Rising **** *** *******

***** *** ******* ********* ******** **** enormously ********* ** *** **** ******** is *********, *** ***** *** ******** is, ***** ** ** *******, ******* there ** ***** ******** *** *******, and ******* ***** *** ********* **** on ***** *******.

********* ******** *** **** ****** ********* around $***,*** ** $***,*** *** ****, Massachusetts ********* *********** ********* *********.

***** ********* ****** ****** *****. * school ******** ** **** ******, *********, agreed ** *** $***,*** *** ******** liability ******** *** *** ****-**** ****** year, ** ***** *% **** *** previous ****,********* ** * ***** ***** ******.

* ***-******* ******** ** *****, ********, saw *** ********* ********* ***** **** by ***% **** $**,*** ** ****-**** to $***,*** *** *** ****-**** ****** year,********* ** *************.

***** ****** ****** ********* ** ***** cities, **** ********* ** ********, *** pay ******* ** $* ******* ** more **** **** *** ********, **** with ***** ***********, ***** ** ******* told ****.

******* ******, ******* *********, *** ******** laws *** ******** ****** ***** ****** have *** *********** ** ********* ***** rising *** ******* ** ******** **** 10% ** **% *** **** **** the **** **** *****, ***** ****. Mass ********* *** **** * *************, he ****. ********* ** *********** *** ***********:

**** ** ***** ** **** *********, insurers ************ **** ****** ** *** infrequency ** **** ******, ********* ********* laws, *** ***** ******* ** *********** exclude ***-******* ******** ** ******* * hands-off ******** ** ********* *** ******** such *****. *** ***** ******** *** do ********** ***** *****, ********* *** pricing *** ******** *** ** *********.However, **** *** ****** ** **** ******** ********* ********** *** *** *********** ****** *** ********* **** **** *****, *********** *** ********** ***** ***** ** ***** **** ***** ** ******* **********. [******** *****.]

Factors *** *********** *****

******* **** **** ********* ******* *** providers ** ********* ******** ***** ** specific ***** *** *****. ******* **** as *** ******'* ****, ********, **********, and ****** ** ******** *** ***** members **** ********* *** ******** ******* and ******* *****.

****** ******, * *********-***** ********** ******* *** churches *** ******* ********* *******, ******** IPVM **** * **** ** ******* it ********* **** *********** ****** ********* insurance *****. ***** *******:

• ******** ****** ** *** ****** *** any ********** ********* ******** ** *** package **** ** *** *********** ********, traumatic ***** ****** ********, ******** ***** liability, ********** *********.
• **** ** *** ******** ** ****** and ** ***** ** ********** *** the ********** ****** ******.
• **** *** ********* ** *** ********, whether ***** ** * ************ *********** staff, *** ******* ********* ************ *********** is ****.
• ********** *** ****** ** ******** ** (sports, *****, ***** **** **********, ******, or ***** ********* **********).
• ******* **** ********** ********, ********* ******* there *** ********** **********, ******* ** procedures, * **** ******* ** *****, incident *************, *** ********* **********.
• ********** ** *** ****** ** ********, and ******* ** ** **** ** keep ** **** ********* *******.
• ****** ********* ****** ***** ** *******.

***** **** **** ******** ******** ******* factors *** ****** *******. ******** **** prefer **** ******* **** ****** **** management *********, ** ****. ************ ** not **** ********* ***** ** ****** packages *** *******, ** ***** *** coverage *** *** ************ **********, ** said.

School ******** *******

******* ** *** ** **** **** the **** ** *** ********* ***** 1999, ********* **** **** *** ***** 2021, ********* ** **** ********* ***** ********** ****.******** ********* ** ******* **** *** to ***** ** ********** *** *** settlements. **** ***** ***** *** ********* by ****, ********* ** *** ****.

*** ********, ********* ** *** *** 24, ****, **** ******** ** **** Elementary ****** ** ******, *****, **** killed ** ******** *** * ****** filed *$** ******* ***** ************* *** ****** ********, *** ****** Police **********, *** ***** ********** ** Public ******, *** ********** ********.

********* ******** *** *** ******** *** covering *** ******* *****, ****** ******* *******-**** ********** ***** ****. ** *** ********* win * ********** ** ********, ******** will ****** ** ** *** **** for ** ***** **** ** **** as ****.

***** ****** ****** ********-******* ***** ***** by ******** *******:

• ** $** ******* ********** **** ******** of **** **********-******** **** ****** ** Marysville, **********, *** *** **** ** 2014. *** ********** ****** *** ********** by * $** ******* *** ** the ********'* ********* ******,********* ** *** ******* *****.
• * $** ******* ********** ** *******'* Broward ****** ****** ******** **** ** families ** ****** ****** ** ******* in *** **** ******** **** ********. Insurers *** *** ******** ********* **** parents **** *** ********* ******* ** would *** ***** ** ****** ** $300,000,********* ** * ***** **** ******,*** *** ******** **** **** ** negotiate * **** ****** **********.
• * $** ********** **** *** ****** of ** **-****-*** *** *** **** and ****** ** **** ** * public ****** ******* ** * **** Beach, ********** **** ******. *** ********** was ********** ** *** ****** *** its ********* ********,********* ** * ***** **** ******.
• *** ******* ** *** ******** ***** in *** **** ***** **** ********** School ******** ** *******, ***********, ***** more **** *** ***** ***** *** school ******** *** ** **** ** $5.5 *******. *** **** *** ********* based ** ********** ********, *** ******** covered *** ********** *** *** ******,********* ** *******.

Problem ** ****** ********

************ ** ************ ****** **** ****** laws ******** ******** ** ***** ******** as * ***** ** ******* ******** against **** ********. ** **** ** 28 ****** ***** ******** ** ****** staff ** ** ***** ***** ******* conditions, ********* ** ***** **** *********** *****.

*******, ***** ********* **** ***** ********* from ****** ****** ********* *** ***** that *** ******* ***** ** **** harm **** **** ******* ******** ******* less ******** ** ******** ******** ** dangerous ********** **** ****** ********. ********* companies *** **** ******* **** ******* these ********.

** **** ****, * ****** ******** in ****** ****, ****, ******* * plan ** ***** ***** ** ***** guns ** ****** ******* ** *** unable ** **** *** ******* ******* to ******* ** **** ********,********* ** * ***** **** ******. *** ******** *** ******** ** November **** **** *** *******, ***, would *** ***** *** ****** **** the ********. *** ******** ****** ****** from ** ***** ********* ********, *** it *** ****** ** **** *********** coverage. *************** *** *** ******** *** not ***** ** ****'* ******* *** comment.

****** *********, * ********* ********* ******* based ** ********,***** ***************** ***** ********** **** ****** ******** are "***********" *** *** **** ********* insurance **** *********.

********* ******** ** *** ***** **** and ******** ******* ** *********** **** vary ********* ** *** ****** *** circumstances.Arming ********* ** ** ******** ****, *** **** ********* ******** **** *** ****** ***** *********, ** ******* ****** **** ****** **** ***** ******** ********* ****** ********* ********* ********. UE members contemplating arming educators also should contact their UE underwriter to determine if coverage is available and other underwriting criteria is needed. Overall, ** *** ******** ** ****** ********* ******* ****** *** **** ******** ******, ** *** ************* ******** *** **** ** ******** *******. [******** *****]

******* **-******** **** ***** *** ******.