By Todd C. Frankel
May 26 at 11:13 PM

Kansas has a problem: It has a law allowing teachers to carry guns in the classroom, but almost no schools are using it because insurance companies refuse to provide coverage if they do. As EMC Insurance, the largest insurer of schools in Kansas, explained in a letter to its agents, the company “has concluded that concealed handguns on school premises poses a heightened liability risk.”…

Mississippi considered such a bill this year, leading the state’s largest public school district to ask its insurer how much that would cost.

“It’s kind of a given that it’d be very, very expensive to arm people,” said Katherine Nelson, spokeswoman for the DeSoto County district. …

The reaction of insurance companies is notable because they are supposed to evaluate dangers through the dry eye of actuarial science, largely avoiding the heated emotions of the nation’s gun debate,

One roadblock to arming teachers: Insurance companies  – The Washington Post