FFL Dealer and Gun Shop Insurance
Retail firearms, ammunition and accessories. Inventory, theft, premises and products under one program.
A gun shop is a retail risk with an inventory profile nothing else on the block shares. Concentrated value, high theft desirability, and a regulatory overlay that generic carriers rarely price correctly.
Inventory gets scheduled by category rather than rolled into one number: long guns, handguns, parts, ammunition, powder. How each is stored changes the exposure.
What moves your premium most
Whether handguns are locked in a safe outside business hours, whether the alarm is centrally monitored, and whether staff have documented training on Form 4473 and straw-purchase detection. Those are the questions underwriters weigh most, and they are within your control.
Internet and mail-order sales are a distinct products exposure and should be disclosed rather than discovered.
- [01]Shooting RangesIndoor and outdoor rifle, pistol, archery and trap/skeet facilities. Rated per lane, underwritten on how you run the line.
- [02]Manufacturers & GunsmithsFrom building receivers and loading ammunition to repair and custom work on customer firearms.
- [03]Defense ContractorsPrime contractors, subcontractors and suppliers to the military and law enforcement, from machined components to tactical equipment.
- [04]Clubs & PreservesMember-owned clubs and hunting preserves, rated on membership and acreage rather than revenue.