In continuing with our look at active shooter coverage and what may or may not be covered by our general liability policy, the next step in any insurance analysis, once we’ve determined that the event falls within the insuring agreement, is to analyze the policy exclusions.
In this case, insurers may not be obligated to defend and indemnify the insured, if the policy contains an assault and battery exclusion endorsement. An example of this type of endorsement would be:
It is agreed that no coverage shall apply under this policy for any claim, demand or suit based on Assault and Battery and Assault and Battery shall not be deemed an accident, whether or not committed by or at the direction of the insured. Read more