Gun ownership carries significant responsibilities, and standard homeowners or personal liability policies can leave coverage gaps—especially for individuals who carry concealed firearms. Prime Insurance Company offers a focused solution with its Firearms & Concealed Carry Insurance Program. Built for responsible gun owners, this program fills common exclusions and helps protect clients’ assets and legal defense needs arising from firearms-related incidents.
Overview of the Program from Prime Insurance Company
Prime Insurance Company provides a targeted market for agents seeking specialty liability solutions. The Firearms & Concealed Carry Insurance program is designed for insureds who carry legally or own firearms and need protection not typically provided by standard personal policies. Prime underwrites in-house and offers flexible, case-by-case terms so you can place accounts that other markets may decline or limit.
Ideal Accounts and Appetite
This program is best suited for:
- Individuals with concealed carry permits
- Gun owners seeking excess liability or tailored firearms liability
- Clients concerned about stolen firearms being used in crimes
- Insureds who want legal defense support for self-defense incidents
Example accounts you can place: a lawfully armed private citizen who carries for personal protection and wants defense-cost coverage for a self-defense incident; or a collector concerned about liability if a stolen firearm is later used in a crime.
Coverage Highlights and Advantages
Prime’s program fills key exposure gaps with focused coverages agents can offer their clients:
- Firearms Liability — covers liability arising from open and concealed carry
- Legal liability for accidental discharge
- Bond payment assistance
- Income interruption coverage to help with lost wages during legal defense
Legal defense is provided until a court of competent jurisdiction enters a finding of guilt; coverage ceases at that point.
Underwriting Notes and Minimum Premiums
Prime underwrites these risks on a flexible, case-by-case basis. Underwriting focuses on the insured’s permit status, firearm storage and transfer practices, prior incidents, and overall risk profile. Minimum premium requirements can vary by account characteristics; expect competitive pricing and responsive underwriting throughout the submission and quoting process.
Territories and Availability
This program is available in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. No matter where your client resides, Prime can help you place this coverage.
Why Work with Prime Insurance Company
As a direct carrier with niche expertise in specialty liability, Prime Insurance Company offers solutions many standard markets will not. Agents benefit from Prime’s in-house underwriting, program flexibility, and quick turnaround—helping you place hard-to-insure accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for individuals with concealed carry permits or gun owners seeking additional liability protection beyond their standard personal insurance.
What coverages are included in the Firearms & Concealed Carry Insurance?
The program includes firearms liability (open and concealed carry), accidental discharge legal liability, bond payment assistance, and income interruption coverage.
Is legal defense provided under this policy?
Yes. Legal defense is covered until a court of competent jurisdiction enters a finding of guilt, at which point coverage for legal defense ends.
Is this program available in all states?
Yes. Prime offers this program in all 50 states and the District of Columbia.
Does Prime Insurance Company underwrite directly?
Yes. Prime is a direct carrier and provides in-house underwriting, enabling customized solutions and faster decisions.
Need help placing an account? Connect with a market specialist.