Montana Politics

Liberal Insurance Companies Blocking Guns in Schools

Shares

Those known agents of Soviet communism, American insurance companies, have slowed the march towards have teachers pack heat in schools because, it seems, it might just be dangerous. The New York Times reports that Kansas school districts will lose their insurance if they go ahead with plans to arm staff members in schools:

But already, EMC Insurance Companies, the liability insurance provider for about 90 percent of Kansas school districts, has sent a letter to its agents saying that schools permitting employees to carry concealed handguns would be declined coverage.

“We are making this underwriting decision simply to protect the financial security of our company,” the letter said.

And in Oregon:

The Oregon School Boards Association, which manages liability coverage for all but a handful of the state’s school districts, recently announced a new pricing structure that would make districts pay an extra $2,500 annual premium for every staff member carrying a weapon on the job.

It seems that insurance companies have a somewhat better command of statistical analysis than the National Rifle Association and its collection of fanatics—and know that increasing the number of guns in schools will only increase the danger to everyone in schools.

About the author

Don Pogreba

Don Pogreba is a eighteen-year teacher of English, former debate coach, and loyal, if often sad, fan of the San Diego Padres and Portland Timbers. He spends far too many hours of his life working at school and on his small business, Big Sky Debate.

His work has appeared in Politico and Rewire.

In the past few years, travel has become a priority, whether it’s a road trip to some little town in Montana or a museum of culture in Ísafjörður, Iceland.

7 Comments

Click here to post a comment

Leave a Reply

  • Then why are some insurance companies lowering premiums for trained school staff members? http://www.nytimes.com/2013/07/08/us/schools-seeking-to-arm-employees-hit-hurdle-on-insurance.html?pagewanted=all&_r=0

    For three Kansas community colleges, which were insured by EMC but decided to allow concealed carry on their campuses under the new law, the search for another insurance provider was easier than expected.

    Dan Barwick, the president of Independence Community College, said his college and two others recently signed a joint insurance plan with another company at a rate that he expected would save the group about $2 million over the next decade. Advocates for arming teachers point to the colleges as evidence that some insurance providers are willing to stomach the risk, should K-12 schools in Kansas decide to shop around

    “What will happen is the market will take care of this,” said Forrest Knox, a Kansas state senator who helped pass the concealed carry legislation. “Other companies are going to do the dollars and cents.”

    That theory is certainly true in states like Texas, where strong tort protections have made it easier for about 30 districts to arm their employees this year. Dubravka Romano, who oversees a cooperative that insures about half of the state’s 1,035 districts, said schools there were not charged extra for having guns on campus.

    One such district, Harrold Independent, has switched insurance providers twice since it started arming employees in 2007, saving around $5,000 a year with each move.

      • I dont see, what craig sees either in this news article. Looks like school districts the nation over cant be provided insurance from just one such company Legally anyway since they have to diversify the risk.

        Sorry Craig ! but the bulk of Insurers say nay!

      • Don, it’s not a matter of statistically analysis or labeling others as fanatics. At this point there is no developed underwriting data on concealed carry by school employees. Many insurance companies abhor writing risks without a developed loss history. Those companies may not have coverage in their reinsurance contracts and would have to write coverage limits bare. That being said, as the Independence Community College and the Texas school districts discovered, coverage can found and premiums do not have to go up if they shop their overall risk profiles.

        • The first two paragraphs of the article you post say exactly the opposite–that their rates went up because of their gun policies. They were able to get a better deal by joining with two other colleges, not because of the guns. From the article:

          Three Kansas community colleges have created an insurance consortium after their insurance company increased rates and said it wouldn’t insure the schools if they allowed concealed-carry in public buildings.

          Independence Community College board of trustees voted last week to join Coffeyville and Neosho community colleges in an effort to lower rates and explore a new Kansas law that loosens restrictions on carrying concealed weapons into public buildings.

  • Great blog here! Also your site loads up fast!
    What host are you using? Can I get your affiliate
    link to your host? I wish my web site loaded up as quickly as yours lol

%d bloggers like this: