A recent office conversation involved a discussion of coverage for a town or board of education after an active shooter tragedy. Specifically, questions of G/L coverage – are there specific exclusions? An active shooter vs. an employee shooter vs. an outsider? Is the event one occurrence, or is each students injury/death an occurrence which brings in deductibles and limits? Expected or intended from the AN insureds standpoint? From ANY insured's standpoint? What are your thoughts? Any narrative would be greatly appreciated.

Connecticut Subscriber

When it comes to the expected or intended exclusion in the CGL form, the point is that it applies to THE insured that expects or intends the injury or damage. So, unless the superintendent/school board, or named insured expected or intended the BI or PD, that exclusion is not applicable to the named insured.