If an active shooter targets your facility, will your insurance policy protect you against claims from victims?
It’s hard to tell.
Current insurance policies aren’t clear, and neither is case law. That leaves open the possibility that if an active shooter causes harm in your facility, you could be open to a lawsuit from victims, and your insurance provider might push back against covering you.
As a result, some carriers are now offering stand along active shooter policies, according to a post on InsuranceJournal.com.
One program cited in the article includes liability coverage for “lawsuits arising from harm caused by attacks using deadly weapons.” The program also features risk assessment and crisis management services, as well as event responders and post-event counseling services.
Insurers originally began by offering the coverage to educational institutions, but now the coverage is offered to all types, including hospitals, sporting venues, retailers, religious organizations and more.
Business and organizations should also consider including fully integrated shooter detection systems alongside other safety and comfort systems like fire detection and suppression systems and HVAC systems.
Shooter Detection System’s Guardian uses acoustic and infrared sensors to instantly identify gunshots inside a facility. The precise location of the gunshots is noted, and authorities are alerted immediately. Warnings are also instantly sent out to people in the facility and vicinity advising them to evacuate or take cover. Guardian gunshot detection can also be integrated with a number of other systems, including text alerts, incident management dashboards and building systems like door locks and video surveillance.
The instantaneous response significantly cuts response time and reduces the opportunity for human error.
Interested in learning more about the Guardian active shooter detection system? Register now for one of our Live Fire events to see a live demonstration, or call us at (502) 632-4322.