After the massacre at Sandy Hook Elementary last December, NRA chief Wayne LaPierre offered his organization's solution to the problem: Get the feds to put armed guards in every school. Turns out, that's expensive. So some school districts decided to take the idea into their own hands. But, thanks to understandably cautious insurance companies, that's expensive, too.
The New York Times reports on the for-some-reason-unforeseen roadblock.
In northeast Indiana, Douglas A. Harp, the sheriff of Noble County, offered to deputize teachers to carry handguns in their classrooms less than a week after 26 children and educators were killed in a school shooting in Newtown, Conn. A community member donated $27,000 in firearms to the effort. School officials from three districts seemed ready to sign off. But the plan fell apart after an insurer refused to provide workers’ compensation to schools with gun-carrying staff members.
Estimates for the additional costs insurers might charge vary. The Oregon School Boards Association puts it at $2,500 annually for each armed staff member. An administrator in that state suggests an additional $5,000 a year for arming and training one staff member. Some insurers, like EMC Insurance, say the risk is so great that they won't provide any insurance at all. In Texas, where liability lawsuits face strong legal discouragements, the insurance has been less of an issue.