Active Shooter Liability Insurance Program

A necessary part of any publically-accessible facility’s insurance and risk management portfolio.

Coverage Overview

The SIU active shooter insurance program delivers comprehensive coverages including third part liability, property damage, business interruption and crisis management services.

Key Coverage Features & Benefits

Delivering important benefits such as flexible policy limits and crisis management teams.

Why Active Shooter Insurance is Important

In today’s modern world threats come from many sources. One of the most difficult to defend against is the incursion of an armed individual (or group of individuals) intent on inflicting harm. Unfortunately due to the growing trend of annual Active Shooter incidents in the United States of America the term ‘Active Shooter’ reflects how mass gun and deadly weapon violence and is now embedded in the world around us.

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The reasons are clear, publically-accessible facilities by virtue of their business provide easy, open access and are therefore naturally very hard to secure. The daily, high volume transient movement of staff, students, customers and visitors increase the chances of an active shooter event occurring as anyone can gain unchallenged access at any time. When a facility operator gets things wrong the potential liability for a non-employee (third party) being harmed in such an active shooter event can be significant.

Being experts in both the educational sector and liability insurance, SIU’s Lloyd’s broker and underwriter, created an innovative, market leading product specifically designed for public and private businesses and facilities: Active Shooter Protection coverage provides Third Party Liability Insurance with built in Crisis Management Services as standard – no additional premium. The product goes beyond pure insurance and crucially focuses on providing pre and post Active Shooter Event risk management.

OUR PROGRAM PROVIDES
  • Primary Liability Policy
  • Limits of $1,000,000 to $20,000,000
  • Clear Third Party Coverage
  • Broad definition of weapon, including firearms, explosive devices, knives, medical instrument and corrosive substances
  • Focused Risk Management Solutions:
    • On-Site Active Shooter and Security Vulnerability Assessment
    • Active Shooter Safety Action Plan Seminar
    • Crisis Management Services (public relations, media management, legal, crisis counseling, site security, restoration, etc.)
  • Funeral expenses
  • Property damage (optional coverage)
  • Business interruption (optional coverage)

Our Coverage