Gun ownership comes with serious responsibilities, and traditional homeowners or personal liability policies often leave gaps in coverage—especially for individuals who carry concealed firearms. Prime Insurance Company offers a specialized solution for your clients with its Firearms & Concealed Carry Insurance Program. Designed for responsible gun owners, this program provides peace of mind by addressing exposures that many standard policies exclude.
Overview of the Program from Prime Insurance Company
Prime Insurance Company delivers tailored insurance products to meet unique risks, and its Firearms & Concealed Carry Insurance is no exception. Whether your client is an individual with a concealed carry permit or a gun owner concerned about legal liabilities, this program offers the critical protection they need. With flexible underwriting and customized coverage, Prime helps agents place hard-to-insure accounts confidently and efficiently.
Ideal Accounts and Appetite
This program is best suited for:
- Individuals with concealed carry permits
- Gun owners seeking additional liability protection
- Clients concerned about stolen firearms used in crimes
- Insureds who want legal defense support for self-defense incidents
You might have a client who legally carries a firearm for personal protection and wants assurance that their assets and legal defense costs are covered in the event of accidental discharge or a self-defense situation. This program is designed for them.
Coverage Highlights and Advantages
Prime’s Firearms & Concealed Carry Insurance addresses critical coverage gaps with the following key features:
- Firearms Liability (Open & Concealed Carry)
- Legal Liability for Accidental Discharge
- Bond Payment Assistance
- Income Interruption coverage
Legal defense is provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy.
Underwriting Notes and Minimum Premiums
Prime Insurance Company uses a flexible, case-by-case underwriting approach to assess risk and offer customized terms. While minimum premium requirements may vary depending on risk characteristics, agents can expect competitive pricing and responsive service throughout the underwriting 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 type of coverage.
Why Work with Prime Insurance Company
As a direct carrier with deep expertise in niche liability markets, Prime Insurance Company stands out for its ability to offer customized solutions that traditional markets often decline. The company is known for responsive underwriting, quick turnaround times, and a commitment to helping agents close hard-to-place business. When it comes to firearms liability, Prime brings the underwriting insight and program flexibility you need to protect your clients effectively.
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, 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. Coverage ends at that point.
Is this program available in all states?
Yes, Prime Insurance Company 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 for this program, allowing for customized solutions and faster decisions.
Need help placing an account? Connect with a market specialist.