Insurance Considerations for Shooting Incidents

Risk Management Magazine (Fine Print)

PUBLISHED ON: December 2, 2019

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Gun violence in America is on the rise. As of November 13, there were 365 reported mass shooting events and 33,944 gun deaths this year in the United States, according to the Gun Violence Archive. Along with the incalculable human suffering left in their wake, shooting events also expose entities of all types and sizes to massive financial liabilities. A September report by the Democratic staff of the U.S. Congress Joint Economic Committee put the total annual cost of gun violence in America at an estimated $229 billion. Given this vulnerability, all entities from school districts and large event venues to small businesses should examine their current insurance programs and study the available options that can provide coverage in the event of a shooting tragedy.


Losses and liabilities stemming from a shooting incident can be staggering. These costs include, but are not limited to, business income loss, defense and indemnity costs arising out of victim lawsuits, property repair, and less traditional expenses such as trauma counseling and media consulting.