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Insurance Company Refuses to Insure Schools with Gun-Toting Teachers
Guns.Com ^ | June 21, 2013 | Jennifer Cruz

Posted on 06/22/2013 6:20:55 AM PDT by EXCH54FE

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To: PapaBear3625

Why and how did this brew up into an issue; surely this did not spring up fully formed overnight.


21 posted on 06/22/2013 6:39:22 AM PDT by HiTech RedNeck (Whatever promise that God has made, in Jesus it is yes. See my page.)
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To: yldstrk

It is not the actual risk that counts. It is what argument will be used by some scumbag lawyer for whomever gets shot while trying to commit a crime on school property.

With a “law enforcement officer” the shooter, a lawyer would have a harder time convincing a jury that his client was shot by a “crazed racist Tea Party survivalist right wing whacko”, and thus deserving of a multimillion dollar settlement. Of which said lawyer gets his 25-35%.


22 posted on 06/22/2013 6:45:40 AM PDT by BwanaNdege ("To learn who rules over you simply find out who you are not allowed to criticize"- Voltaire)
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To: EXCH54FE

If EMC Insurance Companies get away with such a restriction, which gives aid and comfort to the enemy, then the next step for hate-America insurance companies, like EMC, is to refuse to insure homes in which the homeowners exercise their second amendment rights.

One wonders if there is leftist political pressure being applied to insurance companies in Kansas or elsewhere.


23 posted on 06/22/2013 6:45:40 AM PDT by Carl Vehse
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To: Alberta's Child

I know this is a different state but,in Ohio at least, you have to have security at any event that serves liquor, usually an off duty cop, however lefties balk at armed security for a school? Typical liberal thinking!


24 posted on 06/22/2013 6:46:36 AM PDT by nomad
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To: HiTech RedNeck
"Why and how did this brew up into an issue; surely this did not spring up fully formed overnight."

Actually, it can and does. What it means is that the gun-grabbers have identified a new means to attack gun ownership. After all, they can't think up ALL the possible attack mechanisms "in one go".

25 posted on 06/22/2013 6:47:34 AM PDT by Wonder Warthog
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To: Wonder Warthog

Some sort of ceiling on coverage for hypothetical shooting-by-teacher incidents would sound more sensible if the actuaries really are nibbling their fingernails off.


26 posted on 06/22/2013 6:48:55 AM PDT by HiTech RedNeck (Whatever promise that God has made, in Jesus it is yes. See my page.)
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To: BwanaNdege

hey I hate insurance law and don’t do those case.

I am probably the least flush lawyer I know. Never did figure out how to “get on the gravy train” spend most of my time trying to help people

so

whatever bud


27 posted on 06/22/2013 6:52:59 AM PDT by yldstrk (My heroes have always been cowboys)
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To: EXCH54FE
"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. "

It actually shows that insurance underwriters are by their nature a conservative bunch and don't like to assume risks. It also shows why it pays to shop around for insurance -- car insurance, life insurance, health insurance -- and school liability insurance. I'm unaware of any insurance company that found itself in trouble because of liberal underwriting policies. It's usually investing assets in areas where they are clueless that is the financial risk and gets insurance companies into trouble.

28 posted on 06/22/2013 6:53:16 AM PDT by Sooth2222 ("Suppose you were an idiot. And suppose you were a member of congress. But I repeat myself." M.Twain)
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To: Wonder Warthog

bingo! we have a winner!


29 posted on 06/22/2013 6:53:59 AM PDT by yldstrk (My heroes have always been cowboys)
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To: HiTech RedNeck

“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.”

And if they come in from out of state, wouldn’t that be a supreme court issue on the 10th?


30 posted on 06/22/2013 6:54:59 AM PDT by EQAndyBuzz (The reason we own guns is to protect ourselves from those wanting to take our guns from us.)
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To: Wonder Warthog

It’s about risk mitigation. Will adding guns to a school mitigate risk? Now take the people who decide this risk, and see who they donated money to the last election.

You will have your answer.


31 posted on 06/22/2013 6:59:21 AM PDT by EQAndyBuzz (The reason we own guns is to protect ourselves from those wanting to take our guns from us.)
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To: yldstrk

risk is higher when the teachers don’t have guns

The one common denominator in almost all mass shootings is that they happen in “gun free zones”. Oddly, these signs never stop crazy or evil people. Go figure.


32 posted on 06/22/2013 6:59:21 AM PDT by logic101.net (How many more children must die on the alter of "gun free zones"?)
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To: PapaBear3625

“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.


33 posted on 06/22/2013 7:02:23 AM PDT by DesertRhino (I was standing with a rifle, waiting for soviet paratroopers, but communists just ran for office.)
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To: tanknetter
This is the loophole. Very easy to drive a semi through it: just deputize any teacher authorized to carry on school premises.

Nearby, Washington, Illinois has done just that, getting around Illinois' lack of concealed carry at the same time. The school board asked for teacher and administrator volunteers to go through police training and with the cooperation of the local police force, they have had no lack of volunteers.

When they are finished with the training they become police officers/teachers. All of Illinois is not dumb ass liberal Chicago.

34 posted on 06/22/2013 7:07:45 AM PDT by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
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To: EXCH54FE

The names, pictures and political affiliations of the majority stockholders, directors, officers and managers of the companies in question should be immediately published. Interesting patterns will develop if this policy is implemented.


35 posted on 06/22/2013 7:12:40 AM PDT by AEMILIUS PAULUS (It is a shame that when these people give a riot)
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To: Alberta's Child
Wouldn't it be easiest of all to simply remain silent on the issue of gun possession by school employees and just cite the Second Amendment to the U.S. Constitution if anyone asks why there is no policy against it?

That made clear sense to me, Alberta's Child, for about ten seconds, which is to say: the absence of policy is anathema to government. The very idea of "If it ain't broke, don't fix it" horrifies government individuals.

My hunch is the insurance company or companies are engaging in round-about anti-Second Amendment bigotry, and ought to be rewarded for their attitude with lost contracts. Leftist extremists rarely understand American principles; they do, however, understand dollars.

36 posted on 06/22/2013 7:19:35 AM PDT by Standing Wolf
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To: Gay State Conservative; Truth29

There’s already too much gov’t in our ‘Free Market’ to be compounding the problem with vendettas like this.

Get gov’t out of insurance
Get gov’t out of education
Get gov’t out of 2nd Amendment
Get gov’t OUT OUT OUT...

People with kids, whom should be the ones paying (or teaching) for their education, can self-carry, hire or enroll in places that will ‘do it all’.

Turn on loser pays and tort reform and you’d see this to be a non-issue. I can at least understand why the insurance company would be balking.


37 posted on 06/22/2013 7:27:00 AM PDT by i_robot73 (We hold that all individuals have the Right to exercise sole dominion over their own lives - LP.org)
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To: eastforker

You need to think that through a little deeper. It’s a terrible idea.


38 posted on 06/22/2013 7:37:46 AM PDT by savedbygrace (But God.)
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To: i_robot73

Too much of American(and internationl life) is effectively controlled by the policies of insurance companies.This was caused by greedy lawyers and greedy clients.


39 posted on 06/22/2013 7:48:48 AM PDT by hoosierham (Freedom isn't free)
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To: EXCH54FE

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.


40 posted on 06/22/2013 7:55:47 AM PDT by meatloaf
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