Firearms & Ammunition
Insurance for licensed firearms and ammunition makers.
FFL / SOT manufacturers, importers, ammunition makers and ranges. Products and premises rated separately, with markets that write the class instead of avoiding it.
Request a Risk Review
Tell us about the operation.
Know your coverage
Products, premises and inventory, each rated on its own terms.
Many carriers will not write firearms and ammunition risk at all, and those that do often rate the whole operation as a single exposure.
A better program separates products liability from the premises, schedules inventory properly and treats ranges and test-fire areas on their own terms. That is usually the difference between a workable price and a decline.
- 01
Products liability
For firearms, components and ammunition once they leave your control, rated on what you actually make.
- 02
Property & inventory
Buildings, machinery and inventory scheduled by category, including finished goods in your vault.
- 03
Range & premises liability
Ranges, test-fire areas and visitors covered on their own terms.
- 04
Excess & umbrella
Higher limits for distributor, retailer and contract requirements.
Firearms & Ammunition
Who we work with
Licensed manufacturers and the businesses around them, from component suppliers to ranges.
- Firearms manufacturers (FFL / SOT)
- Ammunition and component makers
- Importers and distributors
- Parts and accessories suppliers
- Indoor and outdoor ranges
- Contract manufacturers for defense and law enforcement
Why Clandestine
Why firearms makers call us
- 01
Markets that write the class
Your submission goes to carriers that write firearms and ammunition, not ones looking for a reason to decline.
- 02
Products and premises rated apart
What you make is rated on its own, which is often where the price comes down.
- 03
Inventory scheduled properly
Finished goods, work in progress and raw materials scheduled by category, so a loss pays out the way it should.
- 04
We explain the terms
Exclusions and conditions that matter for firearms are spelled out before you bind.
Common questions
What clients in this sector ask first.
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
Often, yes. A non-renewal usually means the carrier stopped writing the class. We take your submission to markets that still do.
Yes. Tell us your license types and what you manufacture, and we rate the program on it.
Yes. Ranges and test-fire areas can be included and rated on their own terms.
Yes. We are Montana-based and licensed in all 50 states.
Request a Risk Review
Tell us about the operation. We’ll tell you what’s driving the price.
No obligation, and nothing is bound until you approve it. Prefer to talk? Call (970) 580-8067.
- Licensed in all 50 states
- 20+ specialty markets
- Brokers, not a carrier
Thanks. Your request is in. A licensed advisor will be in touch within one business day.
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