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Get DirectionsAs we mentioned in part one of this discussion, a strategy for dealing with this exposure involves a significant amount of pre- and post-incident activity. Active shooter programs commonly involve the following:
Non-Insurance Services
Pre-event
Risk Assessment
Employee Crisis Training
During Event
Crisis Management
Second (Event) Responders (those who supplement initial, emergency action of fire, medical and police [first responders] and handle return services and site clean-up.)
Post-event
Counseling Services
Psychiatric Care
Public Relations Disaster Team
Investigation Assistance Funds (Rewards)
Expenses for additional, temporary security measures
Insurance Services
Liability Coverage for Lawsuits due to loss created by active shooting incident
Limits vary from $250,000/$500,000 up to multi-million dollar maximum
Business Income and Extra Expense
Limits vary from $1 million up to $100 million
Emergency medical care
Rehabilitation Expenses
Funeral and Burial Expenses
Marketing for the product targets those who are most vulnerable to this exposure such as Educational institutions, Entertainment organizations, Hotels, Healthcare providers, Religious institutions, Retail organizations, Shows (ex. Fairs, Trade Shows and Rodeos.)
Return to Part 1
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RVs mean time spent with family and friends on the open road. They represent adventures and the opportunity to develop lasting memories of time together. Just as you are required to insure your regular vehicle, you are also required by law to carry insurance on your RV. The situation that an RV represents is different than a normal vehicle and your insurance needs will also be different as well. Consider this; an RV is both a vehicle and a vacation home. When you are looking at various insurance options, it’s important to consider the pitfalls that you could encounter while you are away from home. The team at TruePoint Insurance serves the needs of Kentucky, Indiana, and Tennessee residents. They understand the 
Ok, that’s a bit of a stretch. I pretty sure your insurance will not cover you that far away from home. So how far can you go and still have RV Insurance coverage?
First, there is customer expectations. Insurance consumers may be under the impression that damage and injury created by shooters are covered. Second, the insurance market is fragmented over the issue depending upon how incidents are interpreted. Coverage may be sought from existing policies that individuals, commercial or non-profit entities may already carry, including General Liability, the Liability portion of Homeowners, or Workers Compensation. On the other hand, responsibility for harm due to a shooter may need to be covered by a form of professional liability policy as the obligation to protect against shootings may be considered as a failure to provide adequate security.
Business owners have a lot at stake when it comes to determining whether persons connected with their ventures are employees or independent contractors. The largest issue with making this determination involves taxes and insurance.
Because of the position held by policyholder/insureds and insurance companies, the classification of workers is often in conflict as insureds desire liberal coverage and insurers wish to restrict protection to qualified persons. However, both parties are best served when worker classifications are clear. Premiums charged to policyholders are based on correctly recognizing the parties eligible for coverage. Proper classification keeps coverage affordable and makes the insurance process more efficient. Coverage involving employees should be connected to an applicable business that employs them. Coverage involving independent contractors should be connected to the contractors. In other words, they should secure their own, separate coverage.
