Wash Post: Insurers Wary of Benefits of Arming Teachers

Amid the spate of mass shootings at schools and subsequent calls for arming teachers, insurance companies are refusing to provide coverage because, as EMC Insurance says, "concealed handguns on school premises poses a heightened liability risk," according to a report.

"There's not a lot of carriers that want to insure that risk," AmWINS Group senior vice president Nate Walker told

The exorbitant rates offered by insurance companies, if they offer coverage at all, is backed by mathematics and actuarial science, suggesting more guns in schools will not stop mass shootings and merely lead to more accidents, per the report.

"I don't know anyone out there who is ready to offer liability coverage for schools when they're arming their teachers," United Educators Vice President Joe Carter told the Post.

There is some support for trained security staff, however, as opposed to arming teachers or faculty.

"Putting in more resource officers — that's additional security — we feel that makes it safer," McGowan Program Administrators' Paul Marshall told the Post. "It's different when you start pushing it to arming teachers, volunteers, voluntary security."

His company has started "active shooter" policies, which pay for counseling services and victim death benefits.

According to the International Risk Management Institute, insurers paid out more than $1 billion after the 2017 shooting in Las Vegas, the Post reported.