Firearms Business Insurance

Overview of the Program From Joseph Chiarello & Co., Inc.

Our program is underwritten by Granite State Insurance Company and offered through Joseph Chiarello & Co., Inc. You can place either a Commercial Insurance Package or a monoline Commercial General Liability policy depending on your client’s needs. The package commonly combines property coverage with premises and products liability — a fit for many manufacturers, distributors and retailers in the firearms supply chain.

Ideal Accounts and Appetite

This program fits a broad range of firearms-related operations, including:

• Retail firearms dealers (single-location, multi-location or combined brick-and-mortar and online operations)
• Distributors and wholesalers
• Gunsmiths, custom builders and repair shops
• Manufacturers of firearms, ammunition components, and accessories
• Indoor and outdoor shooting ranges

Typical underwriting considers the type of operation, gross sales, product lines and risk controls. Accounts with clear safety procedures, documented quality control and appropriate inventory safeguards are strong candidates. Accounts that present unusually high or unmitigated exposures may require additional review or higher limits.

Coverage Highlights and Advantages

• Commercial General Liability — minimum $1,000,000 per occurrence (higher limits available up to $10,000,000 depending on risk)
• Property coverage options for inventory, buildings and equipment
• Product liability wording tailored for firearms and related products
• Flexible placements — combine coverages in a single package or place monoline GL if property coverage is unnecessary
• Underwriters with firearms industry expertise to help streamline risk evaluation and bind coverage efficiently

Underwriting Notes and Minimum Premiums

Underwriting evaluates operations, product exposures, safety and claims history. Minimum premiums vary by state and by the size and scope of the business; please provide complete submissions (operations description, gross sales, loss runs, and safety protocols) to expedite quoting. We can often offer faster turnaround on accounts where controls and documentation are clear.

Territories and Availability

The program is available in most U.S. states, including both admitted and non-admitted placements where applicable. States served include AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Confirm state-specific availability and admitted status when submitting.

Why Work With Joseph Chiarello & Co., Inc.?

We are one of the few agencies with long-standing, dedicated focus on firearms-related insurance. Our underwriting team understands operational, regulatory and product-related exposures that matter to your clients. Working with us gives you access to specialized markets, experienced underwriters and practical placement options tailored to firearms businesses.

Example accounts you can place through this program

• A regional retail dealer with two storefronts and an online sales channel seeking a packaged property and liability policy with product liability protection.
• A start-up manufacturer producing firearm components that needs product liability limits and tailored GL wording to support dealer distribution.

Need help placing an account? Connect with a market specialist.