“Concealed handguns on school premises pose a heightened liability risk,” the insurer informed districts via its agent network. “We have chosen not to insure schools that allow employees to carry concealed handguns. Schools permitting concealed handguns will be declined, as new business. Existing schools permitting concealed handguns will not be renewed.”
Presumably to avoid being tagged as a 2nd Amendment opponent, EMC specified that it was taking the action “simply to protect the financial security of the company.”
Several school districts that had been toying with the idea dropped it after the warning. In Indiana, workers compensation insurers said they wouldn’t cover personnel who carried guns onto campuses. Oregon’s major liability insurance consortium said it would surcharge districts for every civilian employee they allowed to bring firearms to school, which discouraged the initiative.