Currently, if a school massacre occurs and there was no armed school staff to stop it, the insurance company is not liable.
But if a school employee, permitted to be armed on school property, shoots somebody (or while trying to nail an attacker shoots a bystander), then that IS something the school can be sued for.
If the state rules that the insurance company MUST cover such risks, then rates will either go up by a huge amount, or the insurance companies will exit the business of insuring schools.
I understand your rationale here, but for insurance companies the term "not liable" is a very gray area. An insurance company would be obligated to pay for the legal defense of a municipality, a school board, or a school employee in such a case, so there would be enormous costs -- and maybe even a large out-of-court settlement -- even if the insurance company's client is technically "not liable."
Then make them liable for the deaths in massacres where a "gun free zone" is involved, anyone who doesn`t have some kind of armed security needs to held liable for such an egregious oversight.
Why and how did this brew up into an issue; surely this did not spring up fully formed overnight.
“Currently, if a school massacre occurs and there was no armed school staff to stop it, the insurance company is not liable.”
Wanna bet? When a massacre happens, and the lawsuits hit, the insurance company is writing some very big checks. This is not even a question currently.
The first lawsuit that blames the school for disarming otherwise armed citizens would change the dynamic here. CT was the wrong state for such a suit, however.
But if a school employee, permitted to be armed on school property, shoots somebody (or while trying to nail an attacker shoots a bystander), then that IS something the school can be sued for.
This is fairly easily dealt with. Modify the law so that any business that refuses to allow people to protect themselves would fall under a very strict liability, whereas anyone protecting himself or others would be covered under 'Good Samaritan' acts. Problem solved! The insurance companies would be falling all over each other to insure.