We specialize in placing insurance coverage for ammunition and firearms manufacturers—a high-risk sector where liability exposures are significant and complex. Great Southern Agency, LLC has the industry knowledge and carrier relationships to help agents secure coverage for small to mid-sized ammunition manufacturers that may otherwise struggle to find viable markets.
Ideal Accounts and Appetite
This program is designed for operations involved in manufacturing ammunition and related firearms components. We are particularly well-suited for:
- Small to mid-sized commercial ammunition manufacturers
- Firearm component and accessory manufacturers
- Operations with on-site manufacturing, testing, and warehousing
Accounts with clean safety and claims histories, well-documented risk management practices, and clear operational protocols tend to fit best. If you have a client expanding from component assembly into full ammunition manufacturing, or one needing coverage for increased production capacity, we can help.
Coverage Highlights and Advantages
Our program offers a broad range of insurance solutions tailored to the unique exposures in this industry. Available coverages include:
- Property: Limits up to $20,000,000 per location
- General Liability: Up to $1,000,000 per occurrence / $2,000,000 aggregate
- Umbrella: Limits up to $5,000,000
- Professional Liability
- Employment Practices Liability (EPLI)
- Cyber Liability
- Inland Marine
- Employee Benefits Liability
We understand the nuanced risks that come with production, storage, and distribution in this class of business, and our markets are equipped to offer competitive terms and specialized endorsements.
Underwriting Notes and Support
We work closely with agents to gather the right information upfront, ensuring a smoother underwriting process. While specific minimum premiums vary by account complexity and size, our markets are open to reviewing a wide range of operations, including startups and growth-phase manufacturers.
Our team can assist with risk submissions and guide you through carrier-specific requirements, helping you position your client’s operation for the best possible terms.
Territories and Availability
This program is available in 48 states including AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Coverage is offered on a non-admitted basis, allowing for greater flexibility in underwriting and policy customization.
Why Work With Great Southern Agency, LLC
As a program administrator with deep expertise in the firearms and ammunition sector, Great Southern Agency, LLC offers a streamlined placement process, access to specialized carriers, and knowledgeable support. We understand the challenges agents face when trying to insure high-hazard manufacturers and are here to help you deliver solutions that meet your clients’ needs.
Our dedicated team will work with you from submission through binding and beyond. Whether your client is a new entrant to the market or an established manufacturer with evolving needs, we are prepared to help you find the right coverage.
For more info please visit - https://firearmsins.com/coverage/
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized ammunition and firearm component manufacturers, especially those with in-house production and warehousing.
Is this program available on an admitted basis?
No, coverage is offered on a non-admitted basis, allowing for greater flexibility in tailoring policies to unique manufacturing risks.
What are the available limits for property and liability coverage?
Property coverage is available up to $20 million per location. General liability offers limits up to $1 million per occurrence and $2 million aggregate, with umbrella options up to $5 million.
Can this program accommodate new or growing manufacturers?
Yes, we are open to reviewing startup and growth-phase operations, provided they meet basic underwriting criteria such as safety practices and operational transparency.
In which states is this program available?
The program is available in 48 states, including most of the continental U.S., plus DC.
Need help placing an account? Connect with a market specialist.