Thank you for sharing!

Your article was successfully shared with the contacts you provided.

As the nation reels from yet another school shooting, calls for gun control or arming more people with guns abound. There are also calls for requiring gun owners to have liability insurance; unfortunately, it is not that easy. No insurance policy is going to provide coverage for intentional acts. Insurance is a transfer of risk, and the risk must be from a fortuitous loss, not a deliberate action. An insured cannot set his house on fire and expect the insurance to cover it, although there are those who try. Such actions are arson and insurance fraud.

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Request a Free Trial today to enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Trusted, quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Bodily Injury from Bed Bugs ›

This questions whether injury from bed bugs is a covered bodily injury under the insured's AAIS policy.

Question of the Week Archive ›

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.