1851

The FBI defines an active shooter as &ldquo;one or more individuals actively engaged in killing or attempting to kill people in a populated area.&rdquo; Per this definition, <a href="https://www.fbi.gov/file-repository/active-shooter-incidents-in-the-us-2018-041019.pdf/view?utm_source=1851franchise.com&utm_medium=article&utm_campaign=why-active-shooter-coverage-remains-a-point-of-emphasis-for-insurance-advisors-2710866" target="_blank" rel="nofollow" style="text-decoration-line:none" target="_blank">the bureau reported</a> there were 27 active shootings across 16 states in 2018 that led to 85 fatalities and 128 injuries, excluding the shooters. The FBI&rsquo;s data also determined that 10 of the 27 aforementioned active shootings met the parameters for the federal definition of a mass killing, or, &ldquo;three or more killings in a single incident.&rdquo;

The effects of these acts of violence are far-reaching and their implications serious for every person and place impacted, whether directly or indirectly. A deeper dive into the FBI&#39;s 2018 data reveals how the consistent stream of active shootings in the U.S. plays out in our public spaces, too&mdash;16 of the 27 incidents in 2018 occurred in areas of commerce, resulting in 41 killed and 61 wounded.&nbsp;

Based on this data, it&rsquo;s clear that brands with any sort of retail footprint need to be prepared in the event of an active shooter on their premises. Doug Groves, president of leading franchise insurance monitoring company <a href="https://www.certmgmt.com/?utm_source=1851franchise.com&utm_medium=article&utm_campaign=why-active-shooter-coverage-remains-a-point-of-emphasis-for-insurance-advisors-2710866" target="_blank" rel="nofollow" style="text-decoration-line:none" target="_blank">EZ CERT</a>, said pointedly, &ldquo;It&rsquo;s clear this is a very real problem brands need to be prepared for, yet the existing insurance many have to protect themselves from these catastrophes is woefully lacking.&rdquo;

Amid the tragedy of the unthinkable, the financial ramifications for the businesses, theaters, concert venues and other public spaces where these acts of violence occur understandably fall second to the central question: What recourse do brands have to help customers threatened by gun violence?

The answer to this question, Groves said, is one many brands haven&rsquo;t spent adequate time pondering, which is why <a href="https://1851franchise.com/ezcertmgmt" style="text-decoration-line:none" target="_blank">EZ CERT</a> feels a particular duty to educate its partners on the subject.&nbsp;

As active shooter situations continue to occur on a consistent basis&mdash;on the weekend of Aug. 3 and Aug. 4, 22 people died in a shooting at a Walmart store in El Paso, Texas, while nine were killed at a dining and entertainment area in Dayton, Ohio&mdash;the insurance market has responded. The limitations of general liability and workers&rsquo; compensation coverage have produced active shooter coverage, <a href="https://www.cnbc.com/2019/08/13/domestic-terrorism-has-given-rise-to-this-type-of-insurance-coverage.html?utm_source=1851franchise.com&utm_medium=article&utm_campaign=why-active-shooter-coverage-remains-a-point-of-emphasis-for-insurance-advisors-2710866" target="_blank" rel="nofollow" style="text-decoration-line:none" target="_blank">an offering that has become increasingly prevalent in recent years</a>, Groves noted. Standalone active shooter coverage, he explained, covers items outside of the parameters of general liability insurance such as emergency response team costs, crisis management in the form of counseling services and funeral expenses, property damage, business interruption expenses, and settlements.

&ldquo;Active shooter coverage is no longer an option; it&rsquo;s a risk-management necessity,&rdquo; Groves said. &ldquo;Companies may not be aware of the gaps in their existing coverage and there&rsquo;s no telling how big some of these claims could be, which could prove extremely tough for a business of any size to withstand&mdash;even Walmart.&rdquo;

As brands begin to explore active shooter insurance policy options, they must make it a point to thoroughly investigate how each policy option defines terrorism, deadly force, weaponry and the types of crisis management that are included in order to ensure they are receiving the protection they seek. A variety of different policies currently exist on the market with varying coverage limits and premiums, and many often require a security review and vulnerability assessment to identify and mitigate potential risk areas within a business.&nbsp;

&ldquo;In our work with many franchise brands, we feel it&rsquo;s our responsibility to bring awareness to this potential solution to a growing problem in our country,&rdquo; Groves said. &ldquo;Shedding light on the potential gaps in our partners&rsquo; existing coverage and providing them with the growing list of options available to them helps prepare businesses of all kinds for the unthinkable, with the hope they&rsquo;ll never need to utilize the investment.&quot;

Why Active Shooter Coverage Remains a Point of Emphasis for Insurance Advisors

1851 Franchise

In 2019, active shooter coverage is no longer simply an option for brands to consider—it’s a necessity.

This brand page has been paid for by 1851. Content within this page that is paid will showcase a Sponsored icon. This means the brand has engaged 1851 FRANCHISE to write the content. Content without the Sponsored Icon is aggregated media placements the brand earned. Questions can be sent to editorial@1851franchise.com

why-active-shooter-coverage-remains-a-point-of-emphasis-for-insurance-advisors

Lindora

Celebrating the Nurse Behind the Mission: How Melinda Endricks Is Powering Lindora’s Growth and Impact Nationwide

celebrating-the-nurse-behind-the-mission-how-melinda-endricks-is-powering-lindoras-growth-and-impact-nationwide

Sola Salons

Sola Salons Targets Chicago for Strategic Franchise Growth

sola-salons-targets-chicago-for-strategic-franchise-growth

Melting Pot

Photo of Melting Pot white chocolate fondue

How Melting Pot Franchisees Drive Year-Round Success Through Strategic Promotions and Local Marketing

melting-pot-franchise-year-round-success

Crust Pizza Co.

Crust Pizza Co. - Technology Piece - CTO Nick Fontenot - May 2025 - 1851 Franchise

Crust Pizza Co. Builds the Future of Franchising With Tech-First Strategy

crust-pizza-co-technology-nick-fontenot-cto

Paris Baguette

Paris Baguette’s Recipe for Expansion: Leadership, Community and A Vision for 1,000 Cafés by 2030

paris-baguettes-recipe-for-expansion-leadership-community-and-a-vision-for-1000-cafes-by-2030

Buying a Franchise Masterclass

 Franchise Opportunities

Get Support Buying a Franchise

How to Buy a Franchise White Paper

How to Buy a Franchise

How to Sell Franchises

How to Grow a Franchise

Find a Franchise Supplier

1851 Franchise Opportunities

Franchisor News

Franchisor Power Rankings

FranCamp Mastermind Summit

Franchise Resources

What ALEC-Laffer's Report Means for Franchising

Website Awards

Power Rankings

About 1851

Advertise on 1851

Contact 1851 Editorial

Terms of Use

1851 Login

GROWTH CLUB LOGIN

facebook

instagram

twitter

linkedin

youtube

DoorDash Expansion Could Reshape Delivery and Operations for Franchise Brands - 1851 Franchise

DoorDash Expansion Could Reshape Delivery and Operations for Franchise Brands

doordash-acquistions-deliveroo-sevenrooms

Crumbl Franchise Investment - TSG Consumer Partners -  1851 Franchise

TSG Consumer Partners Takes Minority Stake in Crumbl, Signaling Franchise Growth Potential

crumbl-franchise-investment-tsg-consumer

Yum Brands Reports Strong Q1 Results with Big Boost from Taco Bell

yum-brands-reports-strong-q1-results-with-big-boost-from-taco-bell

QSR: McDonald’s Gains Momentum With Chicken Innovation, Value Deals and Franchisee Support

mcdonalds-franchise-recovery-chicken-strategy-value-deals-2025

The Future of Franchising: Trends and Predictions for 2025 and Beyond

the-future-of-franchising-trends-and-predictions-for-2025-and-beyond

Why Buy a Home Service Franchise? The Path to Building Wealth With the Right Investment

why-buy-a-home-service-franchise-the-path-to-building-wealth-with-the-right-investment

The Top 20 Cleaning Franchises to Invest in for 2025

top-cleaning-franchises-to-invest-in

Is Franchising Right for You? Take Our Quiz to Find Out!

is-franchising-right-for-you-take-our-quiz-to-find-out

Affordable Franchise Opportunities: Exploring Low-Cost Home Service Franchises Under $50K

affordable-franchise-opportunities-exploring-low-cost-home-service-franchises-under-50k

Franchisee spotlight image with Randy and Sandy Craft, Children's Lighthouse logo on blue background

The Crafts’ Successful Journey from New Parents to Children’s Lighthouse Franchisees

the-crafts-successful-journey-from-new-parents-to-childrens-lighthouse-franchisees

Layoffs Surge to Pandemic-Era Highs, Opening Doors for Franchise Growth

layoffs-surge-to-pandemic-era-highs-opening-doors-for-franchise-growth

Franchisee spotlight image with photo of Robert Trujillo and UWRG logo on blue background

How Robert Trujillo Expanded His Construction Business With UWRG

how-robert-trujillo-expanded-his-construction-business-with-uwrg

District Taco Franchise Costs, Fees, Profit and Data for 2025

franchise-deep-dive-district-tacos-franchise-costs-fees-profit-and-data

The Ultimate Guide to Selling Franchises: Building Your Brand’s Growth Machine

ultimate-guide-to-selling-franchises

Why Active Shooter Coverage Remains a Point of Emphasis for Insurance Advisors

MORE STORIES LIKE THIS