Firearms Insurance Agent Blog

What Makes Firearms Insurance Different from General Commercial Policies?

If you’ve ever tried getting insurance for your firearms or ammunition business through a general agency, you’ve probably hit a wall quickly. The truth is most commercial policies just aren’t built for this industry. At Associated Services in Insurance (ASI), we’ve specialized in insurance for firearms businesses since 2007—and we know firsthand how different your needs are compared to those of a standard retailer or manufacturer.

Firearms insurance isn’t just a version of general liability insurance with a few tweaks. It’s a category all its own. Here’s why—and how our team at ASI makes sure you’re properly protected.

It’s Not Just Business—It’s Firearms

Your business operates in a highly regulated and highly scrutinized space. Whether you’re manufacturing firearms, selling ammunition, importing products, or running a shooting range, the risks are unique—and general commercial policies often exclude them entirely.

At ASI, we’ve worked with hundreds of firearms manufacturers, FFL dealers, ammo suppliers, and gunsmiths. We’ve seen how one-size-fits-all insurance policies leave critical gaps. That’s why we take the time to understand how your specific business operates and tailor your policy to match—whether that includes product liability, business property, umbrella coverage, ocean cargo insurance, or something more specialized.

Carriers Willing to Work with You

One of the biggest hurdles for firearms businesses is simply finding insurance companies that want your business. Many mainstream carriers avoid the industry altogether. We don’t just help you find coverage—we bring in multiple insurance carriers that already understand firearms and ammunition risks. That allows us to create competition and give you better rates and better coverage options.

And since ASI is an independent agency, we’re not locked into just one carrier—we work for you, not the insurance companies. That means we can shop around to find the best deal, and we keep them honest along the way.

Liability Coverage That Reflects the Real World

If you’re making, selling, or shipping firearms or ammo, liability isn’t just a box to check—it’s a real concern. A single lawsuit, a product malfunction, or an injury claim could put your entire operation at risk. A general policy might protect you from a slip-and-fall in a retail shop, but it won’t help much if a customer claims a firearm defect or improper instructions.

That’s where ASI steps in. We focus heavily on product liability insurance, ensuring that if something does go wrong, you’re not left footing the bill. And if you export, we can help with ocean cargo insurance. If you’re worried about large claims, we’ll walk you through umbrella policies that give you peace of mind.

Regulatory Pressure Means You Need the Right Partner

You’re not just running a business—you’re navigating ATF audits, shipping regulations, background checks, and constantly evolving state and federal laws. Most insurance agents don’t understand what you’re up against, and they certainly don’t speak the language of FFLs, compliance standards, or safe storage protocols.

At ASI, this is what we do every day. We know how to build policies that work within the framework of your legal responsibilities—and we can help you avoid common insurance mistakes that could lead to fines or uncovered claims.

Firearms Insurance Is a Specialty. You Deserve a Specialist.

Trying to get proper coverage through a general insurance agency is a lot like using a hunting rifle to drive nails—it’s not the right tool for the job.

At ASI, we’ve built our business around protecting yours. Our team understands the firearms and ammunition industry inside and out. We know the risks, the regulations, and the realities you face—and we use that knowledge to help you secure the protection you need at a fair price.

Let ASI Get You the Proper Insurance Coverage

Whether you’re reviewing your current policy or starting a new venture, we’re here to help. Contact ASI today at (855) 486-2667 and find out how easy it is to work with a team that truly gets the firearms industry.