No Guns Signs and Insurance Companies


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Freedom_fighter_in_IL
April 7, 2012, 03:20 PM
I have been running across this statement over the past few years on various firearms boards "Maybe their insurance company requires them to post gun buster signs". Or something to that effect. Over the past few months I have talked to several insurance companies (under the guise of shopping for insurance for my business) and I have YET to be told anything of the sort. I have asked them directly about it and they all have said it is not in any of their policies to give breaks for people posting these signs nor is it any sort of requirement.

Corporations that are posting these signs are doing so for their OWN reasons. Be it fear of firearms carriers or whatever. They don't seem to get the point that the people they are hurting is their OWN businesses. Legal firearm carriers simply don't go there and they lose business. Bad guys see the signs with sheer delight as they know that the businesses are unarmed! They sure don't see the sign and think to themselves "well crap I can't go in there with my illegal firearm because that sign says it's illegal" :scrutiny:

Simply put, it's NOT the insurance companies. It's the business owners themselves.

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Agsalaska
April 7, 2012, 03:26 PM
I agree. They are silly.

blarby
April 7, 2012, 04:18 PM
Glad the reality is settin in !

Good stuff.

Even though I don't CC, I refuse to patronize anti-gun businesses.

wojownik
April 7, 2012, 05:15 PM
But I have noticed that at least two different national insurance companies have "no firearms" signs on the entry way to their premises. It was interesting that in both cases it did not say "no weapons" - specifically "no firearms".

Freedom_fighter_in_IL
April 7, 2012, 07:31 PM
But I have noticed that at least two different national insurance companies have "no firearms" signs on the entry way to their premises. It was interesting that in both cases it did not say "no weapons" - specifically "no firearms".

wojownik, unless you were going into the national headquarters of those 2 Insurance companies, you were going into PRIVATELY owned businesses. That was their choice to post that. It could also be the policy of the insurance company itself. BUT, they do NOT give breaks to customers for posting no firearms signs nor do they insist on them. What they do for their OWN PERSONAL offices is their business.

I do not personally agree with these policies as I believe they are completely idiotic. But I DO believe in a persons right to CHOOSE to be stupid. If I didn't want people carrying in my business, it is my complete and total right to not allow it. My property, MY rules. Plain and simple.

SharpsDressedMan
April 7, 2012, 07:41 PM
http://i106.photobucket.com/albums/m247/matquig/DSC05366.jpg

cambeul41
April 7, 2012, 07:49 PM
I have never believed the "insurance company requirement" claims.

Insurance companies have some of the sharpest number-crunching statisticians in the business, and if there were a significant correlation between the the legal carrying of firearms at work and insurance claims, it would be well-known.

Agsalaska
April 7, 2012, 08:30 PM
I have never believed the "insurance company requirement" claims.

Insurance companies have some of the sharpest number-crunching statisticians in the business, and if there were a significant correlation between the the legal carrying of firearms at work and insurance claims, it would be well-known.
There is a big difference between allowing employees to carry firearms at work and trying to prevent law abiding gun owners who are not employees from carrying in their places of business. It is also a different issue for insurance companies compared to the OP. I dont want to bring an argument from another thread over to this one. I just wanted to point that out.

wojownik
April 7, 2012, 08:43 PM
wojownik, unless you were going into the national headquarters of those 2 Insurance companies, you were going into PRIVATELY owned businesses. That was their choice to post that. It could also be the policy of the insurance company itself. BUT, they do NOT give breaks to customers for posting no firearms signs nor do they insist on them. What they do for their OWN PERSONAL offices is their business.

Of course I recognize this ... I was just pointing out the irony. I think you were reading too much into my post.

But, I'm not sure your point about the national HQ comment. State Farm, for instance, bars firearms and other weapons in their HQ building in Bloomington IL. That is private property as well, and they have elected to ban weapons from their premises. A local broker/agent, however has not posted such sign on their premises. A local claims office and inspection shop has posted such a sign on their premises (i.e., no firearms is indeed the national policy of the insurance carrier for all their direct offices, but appears not to be pushed down on their independent agents). Which is why I no longer use State Farm - you can't meet with a claims agent, they don't come to you, and you can't even get you car inspected, while carrying.

Totally their business to make such a rule. Totally my business not to give them my business.

Back to the mainstream of the thread, I recently spoke with a restaurant employee of an eatery/sports bar near me - they also have a large "No firearms" sign in their entry way. He personally disagrees with the policy, but the owner managers of the three restaurants feel that the policy is needed to reduce their exposure to civil claims if there were a firearms incident. The owners also just don't want to deal with firearms in an environment that serves alcohol (and gets a bit rowdy during game night). Has nothing to do with insurance, per se.

Same deal. Totally their business to make such a rule. Totally my business not to give them my business. Except when my wife wants to eat there. Her business trumps my business... :p

Freedom_fighter_in_IL
April 7, 2012, 11:58 PM
Totally my business not to give them my business. Except when my wife wants to eat there. Her business trumps my business

Ahhhhh thou hast learned the truth of life my young man.

But, I'm not sure your point about the national HQ comment. State Farm, for instance, bars firearms and other weapons in their HQ building in Bloomington IL. That is private property as well, and they have elected to ban weapons from their premises.

Since it is in Illinois, unless you are LEO (or retired LEO) you would be carrying illegally anyway so that sign is useless. They can't bar Law enforcement from carrying no matter how much they want to.

ball3006
April 8, 2012, 10:28 AM
Texas specifically states what the gun owner keep out sign says and how it looks. Otherwise you can just ignore them. An owner of a business can tell you face to face to get out with your gun though. In that situation, the term CC has escaped the person with the gun, and deserves to be thrown out......chris3

loose noose
April 8, 2012, 10:47 AM
At one time I investigated for a major insurance company in California, no less, and they preferred I carry, as most of my work was in South LA. Naturally being a retired leo, I carried ccw.

Kevin Rohrer
April 8, 2012, 12:10 PM
I know my insurance agent had one posted at his office and I gave him a piece of my mind about why it was stupid. Other people did, also, and the sign disappeared.

Standing Wolf
April 8, 2012, 02:13 PM
I've never believed "our insurance company makes us prohibit guns." I've been asking for references to such companies' names and kinds of policies ten years and longer. No one's ever responded with actual information.

I don't ever do business with anti-Second Amendment bigots.

Ragnar Danneskjold
April 8, 2012, 02:58 PM
You would think it shouldn't be that hard for someone to post a pdf of an insurance policy stating that guns shouldn't be allowed. I'm inclined to believe it's a "pass the buck" line of malarkey to get gun owners to think it's not the business owner's fault the sign is up.

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