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.
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.