Sadly, we see it all the time. There are active shooter situations happening more and more frequently these days. Social media shows us new ones nearly every week. While this is sad for society, you have a business to run. So you have a responsibility to stay prepared and protect your hard work.
Enter active shooter insurance. As a business owner, your clients’ depend on you to provide them with a safe environment and to keep them protected from risks they could face at your business at any given moment. This means preparing your customers for active shooter situations.
The easiest way to do just that is by educating customers on the perils of these scenarios outside of the obvious – tragedy. Businesses need to realize that the fallout from these chaotic events can cost companies a lot of money.
Shooter Scenarios Rising
Over the past 10 years, we've seen the three most deadly shootings in United States history. These shootings were all active shooter situations. Scenarios where someone enters a confined or populated area with the intent to kill people, usually with the use of a firearm.
Typically, these attacks occurred at work or school. They stems from the fact that these shooters often relate their pain and anger to these places combined with the fact that many people can be found at these places, and a lot of damage can be inflicted quickly.
The United States has become a hotbed of active shooter situations. Over the last four decades, the U.S. has seen nearly 31% of mass public shootings throughout the world, but we only have 5% of the world's population.
How to Prepare
While getting an active shooter insurance policy can protect a business financially, most companies also feel a certain amount of responsibility for keeping their employees, students and customers safe while at these places. In legal terms, this is referred to as "duty of care" by most.
In addition, a business owner could be held liable if certain precautions are not in place before a situation like what was stated above were to occur. Insurance companies should work with business owners and organizations to stress the importance of implementing training regarding these types of situations. Another major key is to make sure emergency exits are easily accessed during open hours.
If you have a high traffic company, then hiring a well-trained security staff could be crucial in keeping your organization safe at all times. While this will cost resources, you'll find an increased customer safety and trust does benefit the bottom line.
Active Shooter Insurance For All
Active shooter policies are not an end all, be all. Nothing can eliminate the risk of an active shooter attacking a school or business. And nothing can prepare us for the potential that could result from such actions.
Still, businesses can mitigate these risks as much as possible by following the tips found here. Get an active shooter insurance policy. Train your staff, students, etc. to be prepared for the potential of an attack. Then focus on allocating any available resources to hiring a well-trained security staff.
Having an experience with an active shooter can be traumatizing to say the least. The effects of such an experience can stay with a person throughout their lifetime. Limit your risk and protect yourself. For more information about active shooter insurance, contact Skyline Risk Management, Inc. at (718) 267-6600 to voice your concerns.