Jed, thank you for that! Very helpful!
I would at some point love to see an actual rider or policy that is written for a gun shop requesting such a thing -- or hear of a gun shop's results if they bring the matter to their insurance company's attention.
After all, seems like a 50/50 mix or so of those who have a "no loaded weapons" (wink, wink...meaning I've never heard of a shop that would search someone to check) policy and those who have a "Just don't draw it" policy, so it would stand to reason that either this is discussed with some frequency -- or it isn't and a lot of shops are suffering major liability without realizing it.
It could be that some number of that 50% (or so) of shops are paying for a rider to cover one client shooting another. After all, actual injuries from this are VERY rare...even if they do get a lot of attention when they do happen. Or it could be that they are ignoring what might be a business-ending liability.
...
But then as a second thought -- I don't know that I accept that there actually IS a difference between rates of store patrons shooting others in stores with "no carry" policies and in stores without. And I'm not sure that I believe that the insurance industry would look at whatever data they can find and agree that there is an actual reason to charge more if a shop doesn't put up a sign.
After all, the sign isn't legally binding, usually. And there is never any practice in place to physically enforce a NO CARRY policy (metal detectors, etc.). And the phenomenon of store customers shooting folks with ANY gun is extremely rare. So where does the actual increased risk come from? A sign or policy doesn't do almost anything to keep guns out of the store (and possibly increases the number of accidental shots fired in the parking lot
) so I suppose the question would be, can the insurance companies numbers folks come up with a real calculation of increased safety or decreased liability if a store puts up a sign?