When I think about the trouble caused by mass lootings, even if you don't take into account the rise in premiums and product costs I'm not sure that an insurance payout is enough.

What about the time wasted cleaning up the store? I suppose a smart business owner will put a dollar amount on that and try to get insurance to cover it, but there are surely knock-on effects chained on from the store being closed, related to supply, staff, and the store's long-term competitive position in the neighborhood. What about all the employees who aren't going to work? Are they getting paid-time off? Does insurance pay for that? If the store being closed causes a customer to go to another store instead - and they decide to make that their new preferred store, how is that quantified? Even if you can put a dollar amount on all the time wasted, time is actually more valuable than money most of the time. There are huge opportunity costs lost from a store being trashed and having to be temporarily closed.