Defense Contractor Insurance
Prime contractors, subcontractors and suppliers to the military and law enforcement, from machined components to tactical equipment.
Defense work is rated on what you make and who you make it for. A machine shop turning components for a prime contractor, a company building tactical equipment for law enforcement, and a supplier shipping finished product overseas are three different risks, even when the work on the floor looks much the same.
The contract sets the floor
Defense contracts usually spell out the insurance a supplier has to carry: limits, additional insured status for the customer, waivers of subrogation. Send the insurance section of your contracts with the submission. Building the program around those terms from the start is far easier than finding a gap the day a certificate is requested.
Products is the exposure that follows you
Once a component leaves your building it becomes part of something else, and a claim can arrive years later. Products and completed operations coverage, with an aggregate sized to the work, is usually the center of a defense program. Underwriters will also ask about export sales, since foreign customers change how the risk is placed.
- [01]Shooting RangesIndoor and outdoor rifle, pistol, archery and trap/skeet facilities. Rated per lane, underwritten on how you run the line.
- [02]FFL RetailersRetail firearms, ammunition and accessories. Inventory, theft, premises and products under one program.
- [03]Manufacturers & GunsmithsFrom building receivers and loading ammunition to repair and custom work on customer firearms.
- [04]Clubs & PreservesMember-owned clubs and hunting preserves, rated on membership and acreage rather than revenue.