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Frequently Asked Questions

What does workers’ compensation cover in a firearms business? 

It covers workplace injuries, occupational illnesses, incidents involving firearms or equipment, and some events like workplace violence or natural disasters. 

Is workers’ compensation mandatory for all business owners? 

Not always. Requirements depend on the state and the number of employees. Owners can often choose to cover themselves voluntarily. 

Can an employee sue me if they’re injured at work?

In most cases, no. Workers’ compensation is the employee’s “exclusive remedy,” which limits personal lawsuits against the employer. 

What risks are unique to firearms businesses? 

Heavy inventory handling, firearm maintenance accidents, exposure to chemicals or lead, and security-related injuries are all higher than average risks. 

How can I reduce my workers’ compensation costs? 


Implement safety programs, maintain accurate records, invest in risk management, and work with a broker familiar with the firearms industry. 

What types of businesses can get firearms insurance through ASI?

We provide coverage for gun shops, ammunition manufacturers, gunsmiths, gun ranges, hunting guides, and other businesses in the firearms and ammunition industry.

Can ASI customize a policy for my specific business needs?

Yes, we offer tailored insurance plans that match your business operations, whether you need outfitter insurance, gunsmith insurance, or coverage for a gun range.

Do I need insurance if I only sell or manufacture ammunition?

Absolutely. Ammunition manufacturers face unique risks, and specialized coverage protects your business, employees, and property in the event of accidents or liability claims

How is ASI different from other insurance providers?

Unlike general insurance companies that only occasionally cover firearms businesses, ASI works exclusively with firearms and ammunition business owners. Our team has extensive industry knowledge to provide the right coverage for your operation.

How do I get started with firearms insurance from ASI?

Simply call us at 816-229-4450. We’ll walk you through your options, explain our policy plans, and help you select the coverage that best fits your business.

What is product liability insurance for firearms businesses?

Product liability insurance protects your company if a customer claims your product caused an injury or damage. This coverage can help cover legal fees, settlements, or judgments. 

Who needs product liability insurance in the firearms industry?

Gun shops, ammunition manufacturers, gunsmiths, gun ranges, hunting guides, and other firearms-related businesses should consider this coverage to protect their operations. 

Can ASI customize a policy for my business?

Yes, we tailor policies to fit your specific business needs, whether you require coverage for a gun range, ammunition manufacturer, or other firearms operation. 

Why is product liability especially important in the firearms industry? 

Because firearms and ammunition carry inherent risks, even minor accidents can result in lawsuits. Product liability insurance ensures your business is protected financially in these situations. 

How do I get started with product liability insurance from ASI? 

Call us at 816-229-4450. We’ll walk you through your options, explain the coverage, and help you select a policy that meets your needs.

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