A new Kansas law allowing gun owners to carry weapons in public buildings, including schools, has thrust a major Des Moines-based insurer into the national gun control debate.
The EMC Insurance Cos. insures 85 percent to 90 percent of all Kansas school districts and has refused to renew coverage for schools that permit teachers and custodians to carry concealed firearms on their campuses under the new law, which took effect July 1. It’s not a political decision, but a financial one based on the riskier climate it estimates would be created, the insurer said.
“We’ve been writing school business for almost 40 years, and one of the underwriting guidelines we follow for schools is that any on-site armed security should be provided by uniformed, qualified law enforcement officers,” said Mick Lovell, EMC’s vice president for business development. “Our guidelines have not recently changed.”
The Kansas Legislature passed the law after the fatal shootings of 20 elementary school children in Newtown, Conn., in December.***
“It’s one thing to have a trained peace officer with a gun in school; it’s a completely different situation when you have a custodian or a teacher with a gun,” Skow said. “That changes the risk of insuring a school and magnifies it considerably.”
Insurers simply don’t know how to price the added risk yet, he said, but they know it’s there.
Somewhat related, the fraternity boys are always bitching about how slow the college is to fix things, and some things are dangerous and no one pays attention to them (they have a deck on the back of the house that really needs to be redone, as it is, it is starting to slide down the hell)> I always tell them, if they are serious about it, take some pictures, walk up to the President’s office, show them the pictures, and then tell him that if it isn’t fixed in a timely manner you are going to send them to whomever insures the school. A bunch of lazy administration folks might not pay attention to you, but boy howdy will the idea of a deck with dozens of young men and women sliding down the hill on a Saturday night causing who knows how many injuries and fatalaties raise some eyebrows at the insurance company HQ.
Although knowing this current college admin, their solution would be to rip down the deck and just put yellow danger tape everywhere and be done with it.