Among the most sobering of insurance policies available, active shooter insurance for schools is perhaps the most difficult to fathom. And yet most schools now purchase this insurance even when not required to do so.
Elementary schools, middle schools, high schools, and colleges are all purchasing this kind of policy.
The main reason to purchase school active shooters insurance is to protect the school as an institution from bankruptcy that might result in the event of an active shooting on campus. These policies typically cover everything from medical expenses to funeral costs. With an active shooter insurance policy, the school can remain protected should one of these terrible events occur.
In addition to what might be considered obvious coverage, a number of other things are often included in these types of policies. In some cases, active shooter incident training is provided to the school faculty. This training could prove invaluable in the case of an emergency. Also, it is worthwhile to note that active shooter insurance policies often do not exclude terrorist events or other shootings of that nature, so the insured would be covered in both events.
If you are a school administrator, you may want to consider obtaining this type of insurance policy for your campus.