Ideal Accounts and Program Appetite
This program targets a broad range of firearms-related facilities, including:
- Indoor shooting ranges
- Outdoor gun ranges
- Combination ranges that include retail or firearms training
- Ranges offering firearm rentals or instruction
Underwriting prefers accounts with documented safety protocols, routine maintenance, formal employee training, and active range supervision. Facilities with weak risk management, poor maintenance, or no formal safety procedures are less likely to qualify.
Coverage Highlights and Advantages
Great Southern Agency understands the operational and regulatory exposures gun range operators face. The program offers comprehensive coverages, available on a flexible, non-admitted basis:
- Property – Limits available up to $20,000,000 per location to protect buildings, range infrastructure, equipment, and inventory.
- General Liability – Available up to $1,000,000 per occurrence / $2,000,000 aggregate for bodily injury and property damage.
- Professional Liability – Designed to protect firearm instructors and other training personnel from alleged errors in instruction or supervision.
- Umbrella – Excess liability limits up to $5,000,000 to broaden underlying protection.
- Cyber Liability – Coverage for data breaches and cyber incidents affecting customer and business information.
- EPLI (Employment Practices Liability) – Protection for employment-related claims.
- Inland Marine – Coverage for mobile equipment, tools, and specialty property in transit or off-site.
- Employee Benefits Liability – Protection for errors in administration of employee benefit plans.
Because policies are written on a non-admitted basis, underwriting can be flexible and coverages can be customized to fit complex operations.
Underwriting Notes
The program is managed by underwriters experienced with the regulatory and operational complexities of ranges. Eligibility is determined case-by-case; minimum premiums and terms will vary with the size of the facility, operations offered (rentals, instruction, retail), claims history, and risk controls in place.
Example: You might have a client who expanded an indoor facility to add firearm rentals and tactical training classes. This program can address the facility’s increasing liability exposures and the need for higher property limits and instructor professional liability.
Territories and Availability
This program is available in most U.S. states. Example states include TX, FL, GA, PA, NC, OH, AZ, CO, and WA. Coverage is not offered in AK, CA, HI, and NY. Contact Great Southern Agency for state-specific eligibility and any regional underwriting requirements.
Why Work With Great Southern Agency?
Great Southern Agency is a focused program administrator with deep knowledge of the firearms and shooting sports market. Agents benefit from responsive underwriting, tailored placement options, and a team that understands how to structure appropriate limits and endorsements for ranges. The program’s non-admitted platform gives underwriters the flexibility to craft solutions for complex or growing operations.
To learn more or submit a risk, call 877-451-0669 or email [email protected].
For additional coverage details, visit: https://firearmsins.com/coverage/
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits indoor and outdoor gun ranges, particularly those that operate training classes, offer firearm rentals, or run on-site retail operations.
Is this program available in my state?
The program is available in most U.S. states. Contact Great Southern Agency to confirm eligibility and any state-specific underwriting requirements.
Are firearm instructors covered under this program?
Yes. Professional liability coverage can be provided for firearm instructors and other training staff operating at the range.
What is the maximum property limit available?
Property limits are available up to $20 million per location, subject to underwriting review and risk characteristics.
Is this program written on an admitted basis?
No. Policies are written on a non-admitted basis to allow more flexible underwriting and customized coverage options.
Need help placing an account? Connect with a market specialist.