A variety of organizations have a duty of care to maintain a safe environment for staff and visitors. In the event of an active shooter attack, they could be liable not only for civil action but regulatory action as well. Organizations have been sued for negligent security. Don’t be one of them.
Most organizations assume that their “standard” insurance will cover them in any event involving violence but there is a “grey” area that may lead to significant liability for the owners and managers. For example, most insurance providers define “terrorism” very differently than “active shooter.” Some use wording similar to: “threat of any person, committed for political, religious, ideological or similar purposes including the intention to put the public, or any section of the public, in fear.” While others define an act of terrorism as an event where fifty or more persons sustain death or serious physical injury. An active shooter, on the other hand, is an individual actively engaged in killing or attempting to kill people in a confined and other populated area. In most cases, active shooters use firearms and there is no pattern or method to their selection of victims. Don’t assume that your organization is covered for both.
Windom works with insurance providers because we wanted to make sure that our security measures are also aligned with your coverage requirements as long as they don’t jeopardize the integrity of our strategies. We handle security review audits and vulnerability assessments for most insurance companies that provide these types of specialty insurance programs. Windom is your risk management firm prior to the binding of your policy and your crisis management firm after any tragic event.
Our Windom consultants are always looking for more ways to protect you. Schedule a security review today.