Skip to comments.Insurance Company Refuses to Insure Schools with Gun-Toting Teachers
Posted on 06/22/2013 6:20:55 AM PDT by EXCH54FE
EMC Insurance Companies, the largest insurer of schools in the state of Kansas, recently announced that it would not be willing to provide policies to schools which allow their teachers or other staff, to carry concealed firearms on school property. The only exception would be for police officers.
The Topeka Capital-Journal broke the story after the company sent out a letter last month to school districts in the state declaring that their decision is simply to protect the financial security of our company.
EMCs resident vice president, Bernie Zalaznik said, We understand that school districts have every right to decide which way they want to go, but we have to make the decision based on what we perceive to be our best financial interest.
Apparently the company perceives those who complete the process of obtaining a concealed carry permit, which includes a firearms safety class and complete background check, not qualified and too much of a financial risk.
The companys announcement comes just weeks before a new state law is set to go into effect, which will allow teachers and other faculty to possess firearms on school property.
(Excerpt) Read more at guns.com ...
Two can play this game: Maybe their license to do business in Kansas needs a review.
well, they got it bass ackwards, the risk is higher when the teachers don’t have guns
I wonder how these insurers are going to handle the liability claims for schools who refuse to protect their students - I would think that the potential for fiduciary loss would be much greater.
Beat me by 40 seconds! Great minds think alike. ;-)
If this is the non-issue that it should be, then somewhere there has got to be a firm that not only would do this but would offer a discount for it.
Well, Roman soldier buddy, it would be. A nut bent on shooting up a whole classroom is not the only risk the school might face which could be mitigated by properly equipped teachers. The problem in America is not guns. It is people with evil hearts, which ultimately is a Satan problem.
If sheriffs are not so snobbish and departments are not so unionized as to prevent this.
What part of “concealed” is so hard to understand?
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.
Would be easier just to make the teachers an auxilary to the local police department.
I wonder how much pressure the left put on these schmucks to do that? Well, de-certify them and let them pound sand.
OK, let's take them at their word for a minute. If a situation arises where it can later be shown that their no-guns-for-teachers policy CONTRIBUTED to the carnage, are they willing to pay out more and also to get sued for wrongful death over the policy?
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."
Whatever would be a blessing, would be great. A permanently ready posse would be more in the spirit, I’d think. I think the bigger problem is that the actuaries are worry warts.
Fine. Schools should self-insure. When someone has a legitimate claim, the school should pay it without going to court. When someone has a frivolous claim, the school should fight it for decades, until the parasite is dead of old age, while pointing out to potential jurors that rewarding the greedy claimant will merely raise taxes on their neighbors and reduce funding for the school’s real work.
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.