Weapons Detection Systems Don’t Reduce Soaring School Insurance Costs
With school shootings causing insurance rates to soar, schools increasingly purchase weapons screening systems hoping to reduce the risk of shootings and other violence.
In this report, we examine how liability insurers view the benefits of weapons screening, the contribution of mass shootings to rising school insurance rates, and the reasons insurance premiums are not lowered for schools that have weapons detection systems.
******************, ***** ******** *********** **** *** resulted ** **** ******* *** ********* insurance, ***** ****** ***** *********** **** teachers *** ******** *** ****** ** injured, **** *****. *******, **** ** improve *** **** ** ******* ****** more ******** ** ****** ****, *** possibly ******* ****** ****** ****** *** lower ***********, **** * ***** ****** for ********.
Executive *******
******* **** **** *********, ****** ******* claims, *** ******* ****** **** ****** to ***** ******** **** ******** ********* coverage ** *******, ****** ** **** for ******* ** **** ****** *** policies. ******** **** ** ***** ******** are **** ******** ********** *****, ********* industry *************** **** ****.
*** ******** *************** **** **** **** insurers ** *** ********* ***** *** discounts ** ********** *** ******* **** install ******* ********* *******. *******, ** more **** ******* ********* ******* * strong ************ ******* ******* ********* *** a ********* ** ********* ******, **** circumstance *** ******, **** ****.
** *** ********, ********* ******** ** weapons ********* ******* **** ****** ** higher ***** *** ****** ********* ******* yielding ************* ********* *******.
Weapons ********* ******** ****** *************
************* *% ** ** ****** ******* have ***** *********, **** ***** *% using **** ** * ***** *****,*** *** **** ***** ********, ********** *** *** ****-**** ****** ************ ** ******* **** ** *** National ****** *** ********* **********. ****'* up **** *.*% *** *.*%, ************, in****, ********* ** *** ******’* ********** statistics.*** **** **** *** ******* ******* the ***** ******** ***** ******** ** includes ***** *******.
***** ** *****'* **-***** ******* ********* systems *** **** ******* *******, ******** they **** ************ **** **** *********** metal **********.**** **** *** ********* *** ** *** *** ***** systems ******** **** **** *** ** the********* ** ****, ********* ** *** *******.
************, *******'* ***** ****** ********, **** 129,000 ******** ********, ******** * $* million ******** *** ** ***** ******* units ********** ****, ******** *** ******-****** ******* ********* systems **** * ~$***,*** ******** **** CEIA,*****'* ******* **********.
******* ***** **** ****** ******** ** New **** ****** *** ********* ******** ~$1.5 ******* *** ** ***** ***** in **** ** ** **** ********** its *,***-******* ********.**** ******** ** ******** ******** *** ****** ******** * **% false ***** **** **** ******* ******** laptops *** *********** *** *** ***** pleased **** *** ********.
Zero *******
******* ***** **** ****** ********************** **** *********** **** **** *** ******** *** had "*** **** ********* *******" **** adopting ***** ******* ********* *******. *** district's *******,*****,*** *** ***** ** * ******* for *******. *** ******** *** ***** 7,000 ********.
***** ****** ******** *************** **** **** that *** ******** ****-*******, ***** ** an ****** *** ******* **** **** especially ***** *******, ** ** *** not ********** *** ****** ** ********* costs.
*********-*********** *******, ***** *** ** ********** of ***** ***,***, **** *** ** changes ** *** ********* ***** ** a ****** ** ********** ***** ******* detectors, **** ****** *** ******* ****** the ******** **** **** **** ** guns ** *** ****-**** ****** **** alone. ******* *** ****** ****, *** district *** **** $**.* ******* ** Evolv, ********* ******* ********** ******* ****-**.
*** ********'* ******* "**** *** ****** as ** ******* ** *** *** facilities **** ********* *******," ******** *********** Susan ******-****** **** ****. "********* ***** was ** ****** ** *** ******."
**** ******* *** ** **** ***** school ********* ****** *** ******* **** had ********* *******, ****, ** ***** systems. **** ********* ** *** ******* for *******.
Insurer ***** ** ******* *********
****** ******, * *********-***** ********** ******* *** churches *** ******* ********* *******, **** not ****** *** ******** ** ******* detection ******* **** ******* ********* ***** for *************,*********** ******** *********** ****. ** ** *****, *** wrote:
We’re *** ********* ******** *** ********* ******* ** ************ ** ******* ********* ******* (or charging more for those without). However, safety advances are certainly favorable in terms of underwriting review and treatment. [Emphasis *****.]
*********, ***** *** **** ****** ** personal ***** **** ** ********** ** auto *********, ***** **** **** ** be ********* ** **********, *** ****.
***** *** *********** **** ****** ** providing *********.We’d **** ** **** *** ** *** ***** ***** **** ** ** ***** ******* **** ** *** *** ****** ** ******* ** ***’* *****. As we noted earlier, however, it is looked upon favorably from an underwriting perspective. [Emphasis *****.]
******* ********* ************** ******* *****, *** ***** ******** for ****** *******, **** **** **** weapons ********* ******* *** ***** ************ technology ** **** ******* ****** **** attractive ** *************, ***** ***** **** insurers ***** ** ******* ** ***** coverage. ******* **** ******* ********* ******* might **** ** **** ** ****** higher ****** *** **** ******** ******* than ***** ******* ***** ****.
No ******* **** ***** ********
**** ********* ** ***** ******** *** global ********* ********* ***** ******* ******* detection ******* ****** ********. **** *** not ***** ** *** *******. * representative *** *****, *** ** *** world's ******* ********** ********* ********* ************, declined ** *******.
************ *********** *********, ** ******** *********** **** ******** data *** ******** ** *** ******, also ******** ** *******. * ********* for *** ***** ****: "** *** within ******-* [*** ********* *********** *********] is ** ****** ** **** ******** line ** ********."
No ******* **** *******
**** ***** ******* *** ******* **** seen ********** ** ********* ***** ******* to ********** ***** *******, *************** *********** ****: "** ******’* ** **** to ***** ** **** *****/** ****** of *******’ ********* **********."
*** ******** ** ******* ***** ******* the ******* ******** *** ********** ** insurance *** *********** ******** ***** ** its ***** *************.
**** *******,*** ** **** ***, **** **** that ** *** *** **** ** any ********* ****** ***** ** ********* after ********** *** *******'* ******** ***** detector *******. ** **** ******** ** share *********** ***** ******** *** *****. The ******* **** *** ********* ********* when ******* ********, ** ****.
** ** *** **** **** ***** on ********* **************. ** **** **** based ** ***** ****** ********* *** discrimination (******* ** *** ******** ** innocuous *****) ************ ***** *** ********.
* ************** *** ******* *** *** reply ** * ******* *** *******.
Rising ********* *****
** *** **** ****, ********* ***** for ******* *** **** ****** *******. For ***** *** **** **** *****, public ****** ********* **** **** ********* each **** ** ***** **% ** 50%, ********* ** *****. ***** ******** are **** ******* ** ********** ****** liability *********. ******* *** ****** ******** participated ** *** ****** ***** * decade ***. *** *** ****** ** closer ** **, ** ****.
******* ************ ** *** ********* ** rates *** ******* ************ ******* * rise ** ****** ***** ******, ******* change, *** ****** ***** ** ******* disasters *** **** *********, ***** ****.
******** ***** **** ******, ******* ****** districts *** *** ** **** ** hundreds ** ********* ** ******* *** year *** ********* *********, ***** ***** urban ********* *** *** $* ******* or ****, **** **** **** ***********, he ****.