Anything to do with the general public costs a lot because of legal liability, especially when dealing with kids.
Any loss that occurs, no matter how low probability it is, get litigated and once litigated gets incorporated into expected losses by insurance companies and mitigations for it get stipulated into the insurance coverage.
Fire, handicap accessibilities, school shootings, tornado, earthquake, trip and falls, sports equipment injury, etc.
If an entity does not cover its ass head to toe on “known” risks, and lets a loss happen due to negligence, then it is on them. The response to this is lots of protocols and code requirements, and lots of additional bureaucracy to continuously check if those protocols and code requirements are being followed.
Any loss that occurs, no matter how low probability it is, get litigated and once litigated gets incorporated into expected losses by insurance companies and mitigations for it get stipulated into the insurance coverage.
Fire, handicap accessibilities, school shootings, tornado, earthquake, trip and falls, sports equipment injury, etc.
If an entity does not cover its ass head to toe on “known” risks, and lets a loss happen due to negligence, then it is on them. The response to this is lots of protocols and code requirements, and lots of additional bureaucracy to continuously check if those protocols and code requirements are being followed.