We live in an age where Violence lives among us. Whether schools, business, worship, or community events, the threat of being part of an Active Shooter event requires preparation and training. Did you know that OSHA requires Active Shooter planning as part of the Facility Emergency Plan? And your Insurance coverage may now exclude coverage for such situations? How you and your organization can better prepare for a potential event – Planning and training are a critical part of surviving an active shooter/armed intruder attack. We recommend any size organization address these four critical planning and training steps to prepare for a potential event: PerformRead More →

We don’t often think about insurance coverage until we need it. With the recent events and news coverage, here’s an update for Gun Owners and Business Owners alike. AS A GUN OWNER: Most homeowners’ policy covers many types of liability claims that can include gun-related accidents. “Accident,” here, is key. Under a traditional HO-3 form there is no specific gun-related exclusion. There is, however, an “Expected or intended injury” exclusion, which itself contains an exception for “use of reasonable force by an ‘insured’ to protect persons or property.” Therefore, under the HO policy some coverage: would be available for the accidental firing of a gunRead More →