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Old 10-01-2012, 11:06   #26
molar
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Quote:
Originally Posted by Bruce M View Post
Is that policy by chance captured in writing in your employee handbook?
Nope, there is nothing in my employee handbook pertaining to weapons. I have been known to give discounts to people open carrying or who present a CHL, so my employees know where I stand.
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Old 10-01-2012, 18:29   #27
bobtheelf
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Originally Posted by molar View Post
Nope, there is nothing in my employee handbook pertaining to weapons. I have been known to give discounts to people open carrying or who present a CHL, so my employees know where I stand.
What and where is your business, that I may frequent it if I have need to?
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Old 10-02-2012, 06:27   #28
Bruce M
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I understand having a no wespons policy in an employee handbook. I understand not mentioning anything reagrding weapons in an employee handbook. My guess is that any mention of a pro-weapons policy in an employee handbook would be very much an uphill battle once insurance companies got involved in most areas in most industries.
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Last edited by Bruce M; 10-02-2012 at 06:27..
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Old 10-02-2012, 08:19   #29
redbaron007
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Originally Posted by SoonerDad View Post
.....snip....


You raise a good point about the liability issue... I'll bet our liability insurance company would have a fit about it. That's why I was considering the advanced training, if that's what they would require.

....snip...
The issue of liability insurance not covering you is somewhat of a misnomer. Liability is basically where one was negligent in something they did/didn't do but should have. Liability insurance, as in a general business policy, provides for compensation for someone's negligence......it doesn't exclude coverage when there has been the use of 'firearms'. There are exclusions for somethings, but not the use of firearms. If a firearm was used and it was a criminal issue, more than likely, the GLP will not provide coverage....most if not all GLPs do not provide coverage for criminal acts.

Quote:
Originally Posted by frizz View Post
Merlin raised the insurance issue, which is the first thing that occurred to me. I'm just going to come out and say that your idea makes sense, but there are just too many problems that will crop up.

Most likely, the owner's insurance is not going to cover you. If he is an employee, the business insurance will provide coverage unless it is specifically excluded in the policy.

Next think about your OWN liability insurance. What does it say about having a firearm while treating patients? Does having a gun void it? What if your carrier found out you carried on the job? I bet they'd drop you. If you are referring to his personal insurance, it will not provide coverage while in his professional capacity. If you are thinking of professional insurance (i.e. malpractice) it is limited to his actions as a professional (general speaking). The owner of the business would provide general liability; unless you are contract help or independent contractor.

You are also going to need a separate policy or a rider to cover liability if you use your gun. That is not going to be easy, even if it is possible, it would tip your malpractice carrier off to you carrying on the job. Why would his malpractice insurance care if he was carrying? If treatment was for him to use a 9mm and he uses a 44 mag, then it might have a issue, but malpractice has nothing or will care if he carrys.

Now consider this: I know of a psychologist who does forensic psych exams. He went to law school part time, graduated, and passed the bar. Getting liability coverage as a dual professional was gawdawful hard, and it took a lot of searching to find it. Substitute "firearm carry" for dual professional, and you can see why it would probably be impossible. There is no 'firearm carry' policy. Now, if he was to be a certified security guard, you may have to have a general business policy with a company that will insure security guards. This is a specialized policy, from specialized carriers for security firms. There are very few companies who insure individual security guards, from an underwriting standpoint.
....snip...

SoonerDad.......IMHO, ask your employer/owner about having an exception to the policy of NO FIREARMS and place it in your file, but you maintain a copy too. The security guard avenue will prolly be more costly and time consuming than you think.



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Last edited by redbaron007; 10-02-2012 at 08:20..
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Old 10-02-2012, 15:21   #30
poodleplumber
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How do you guys that have them handle the weapons policy?
I don't mention firearms in my employee handbook. Kind of my version of "Don't ask, don't tell."
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