The FBI reports that violence against houses of worship is up over 34% between 2014 and 2018. No matter the faith or denomination, houses of worship are open and inviting spaces. People bent on violence against a religious group find them easy targets.
It's easy to think that an active-shooter event is an act of terrorism. Unfortunately, many have found out too late that their general liability insurance policies don't cover the event, leaving a mourning congregation to deal with substantial expenses.
The legal landscape is evolving as courts hear cases and appeals. Active-shooter incidents are complicated and liability isn’t always clear. Some courts are using the foreseeability of an event as a test for liability. How foreseeable is it that a congregation falls victim to an active-shooter?