You guys are knee jerking on this becuase of the gun. Think about this from strickly a employers point of view. if a robbery happens, you are insured for that. if something bad happens to a employee during said robbery, you are insured for that. Employee pulls a gun, shoots bad guy and hits kid standing behind them, you are not insured for that. employee has a nd and hits some one/thing, comp pays, then comes after you for it. reality is, if they are on the clock, you own anything they do. Lets just say one of your workers takes thier work car to lunch, they have a few beers, hit some one on the way back. now this should be on them, but its not, its on you. thats how the world works, sucks, but its life.