Insurance companies know what the NRA doesn't want you to
by Josh K - 7/8/13 12:42 PM
That arming school employees increases the risk of someone getting hurt, not the opposite
As more schools consider arming their employees, some districts are encountering a daunting economic hurdle: insurance carriers threatening to raise their premiums or revoke coverage entirely.
During legislative sessions this year, seven states enacted laws permitting teachers or administrators to carry guns in schools. Three of the measures — in Kansas, South Dakota and Tennessee — took effect last week.
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.
Insurance companies base their rates and policies on risk factors, which are scientifically calculated using facts, statistics and logic to understand probabilities. The NRA doesn't want you to know that, because if you do, you won't be scared into buying more guns.