Still, insurers in some states said they were unsure how to approach the subject when the time comes.

Days after the new law took effect in Tennessee last week, the state’s largest K-12 insurance provider, Tennessee Risk Management Trust, had not reached a conclusion about whether the price of its coverage would increase if employees carried guns.

Firearm training rules for teachers in South Dakota, which passed its law in March, have not yet been approved, in part delaying serious talks between districts and their underwriters. “Because it’s not something the schools are considering, the issue really hasn’t become full blown yet,” said Wade Pogany, the executive director of the Associated School Boards of South Dakota. “I think it will eventually.”

After the Kansas law passed in April, more than a dozen school administrators across the state were mulling a move to arm their staffs, according to David Shriver, who oversees insurance programs at the Kansas Association of School Boards. He stopped getting calls about it as soon as EMC made its policy clear, he said.

“If there’s no insurance available,” he added, “it’s difficult to do anything.”

In an e-mail statement, Mick Lovell, vice president for business development at EMC, said the company, which is based in Des Moines, was upholding its long-held guidelines that school security should be provided only by qualified law enforcement officers

For three Kansas community colleges, which were insured by EMC but decided to allow concealed carry on their campuses under the new law, the search for another insurance provider was easier than expected.

Dan Barwick, the president of Independence Community College, said his college and two others recently signed a joint insurance plan with another company at a rate that he expected would save the group about $2 million over the next decade. Advocates for arming teachers point to the colleges as evidence that some insurance providers are willing to stomach the risk, should K-12 schools in Kansas decide to shop around