Active Shooter Liability Coverage

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What Is Active Shooter Liability Coverage?

With the escalation of active shooter incidents in our workplaces, schools, churches, and other public gathering spots, we hear a great deal about the injuries and deaths that result from these tragic situations. What doesn’t get as much attention is the financial impact that these events have on the institutions where they occur.

Active shooter liability insurance can help an organization protect its assets in the wake of a shooting incident. However, many carriers don’t provide this coverage due to the significant risk exposure. Prime Insurance Company does.

Prime provides Active Shooter Liability Coverage as an optional policy enhancement for third-party liability. While other companies are tightening guidelines, Prime is creating solutions and is willing to offer this coverage to ensure businesses don’t have blind spots/gaps in coverage.

It’s not uncommon for active shooting victims or their surviving family members to file a lawsuit against the employer, claiming that it didn’t do enough to prevent or mitigate the incident.

Prime’s coverage enhances your existing liability insurance policy through Prime Insurance Company and is designed to provide you the peace of mind to conduct business in today’s uncertain times.

Active Shooter Coverage Highlights

  • Limits of liability customized to your business needs up to your underlying policy limits
  • Best-in-Class claims handling through Claims Direct Access
  • Must have or must obtain a Prime Insurance Company Commercial Liability policy in order to add this coverage
  • Protect your business and your bottom line with Prime’s Active Shooter Liability Coverage

Who Needs Active Shooter Liability Coverage?

If your client owns a business that is at risk of an active shooting event occurring at or near the property, then they should have active shooter liability coverage. Just remember, your client must have or must obtain a Prime Insurance Company Commercial Liability policy in order to add this coverage.

Numerous businesses need active shooter coverage, including:

  • Bars and nightclubs
  • Restaurants
  • Schools
  • Malls and retail stores
  • Places of worship
  • Concerts and festivals
  • Entertainment venues
  • Any business where an active shooting can occur
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