One of the factors is what I call specialty insurance coverages. It’s difficult to find companies to write certain coverages. For example there are exactly two insurers that will underwrite for fire departments in West Virginia. If there are only three companies that will insure schools in Kansas, that makes it difficult to apply armstrong tactics like taking your business elsewhere.
Insurance companies are notoriously risk adverse. If the risk can’t be quanitified at an acceptible level by their actuaries, they won’t include the risk under the coverages.
I’m not excusing them. It’s just that there aren’t many options other than deputizing the teachers. That raises the bar significantly for defending a school.
A point worth looking into is the fact that Kathleen Sebelius was once the Insurance Commissioner for the State of Kansas. Given her role in the abortion industy whilst Governor, I would not be suprised to learn that she picked insurors of a similar leftist ilk.