Overview — Great Southern Agency, LLC: Gun Stores Program
This Gun Stores program from Great Southern Agency, LLC provides tailored property and liability solutions for retailers that sell firearms, ammunition and gun-related accessories. It is built for independent agents who place accounts for gun shops, federal firearms dealers, outdoor/hunting stores and other retail operations where the primary business activity is retail sales of guns, ammunition and related merchandise.
What this program covers
The program offers a package of property, casualty and specialty coverages designed for the unique exposures of gun store operations. Core coverages include:
Property — building and business personal property, values and schedules for firearms and inventory
Professional Liability — coverage for errors & omissions exposures that may arise from retail sales or consultation
General Liability — premises and products liability for retail operations
Umbrella — excess limits to broaden primary liability limits
EPLI — employment practices liability for workplace claims
Cyber Liability — data breach and cyber risk coverage for point-of-sale and customer data
Inland Marine — transit and scheduled equipment coverages for guns and specialized equipment
Employee Benefits Liability
Coverage limits and capacity
Property: limits up to $20,000,000 per location
General Liability: available up to $1,000,000 per occurrence / $2,000,000 aggregate
Umbrella: available up to $5,000,000
Available limits and specific terms vary by account size, class of business and state. Great Southern Agency’s underwriting team works with agents to structure limits and endorsements that match each client’s operations and risk profile.
Ideal accounts and underwriting appetite
Primary target: independent gun shops and retail firearms dealers with on-site sales of firearms, ammunition and accessories.
Also considered: outdoor and hunting supply stores where firearms sales are a material part of operations.
Typical fit: retailers with organized inventory controls, clear documentation of transfers and background check procedures, and appropriate security measures (safes, alarm systems, employee training).
May be restricted: high-volume manufacturers, large wholesalers, accounts with known regulatory violations, or businesses with significant ancillary operations (e.g., indoor ranges) that require specialized underwriting.
Example scenarios where this program is useful
You have a regional gun shop with multiple locations seeking property and GL placement, scheduled inventory values for firearms, and an umbrella to sit over GL limits — this program can provide capacity up to stated limits.
You represent a small outdoor store that recently added firearms and needs tailored inland marine for transit and cyber liability for point-of-sale systems — the program can package those coverages together.
Underwriting notes
Underwriting reviews focus on sales practices, recordkeeping for transfers, background-check processes, inventory controls, and physical security.
Loss history, store layout, safes/secure storage, alarm/monitoring systems and training programs are important factors in pricing and eligibility.
Minimum premiums and deductibles vary by state and account characteristics — please submit details or contact underwriting for program minimums and state-specific requirements.
Territories and availability
This program is available in the following states: AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, 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, WY.
Why place Gun Stores business with Great Southern Agency, LLC
Niche underwriting expertise — focused capacity for retail firearms risks and related retail exposures.
Flexible coverage package — ability to combine property, GL, professional liability, cyber and inland marine for a consolidated placement.
Responsive support — underwriting and placement assistance for agents who need tailored terms or endorsements specific to gun retail operations.
Contact & submissions: Call 877-451-0669 or Email us -
[email protected]
For more info please visit - https://firearmsins.com/coverage/
Frequently Asked Questions
What types of gun store accounts are a good fit for this program?Retail gun shops, federal firearms dealers and outdoor/hunting stores where firearms and related accessories are a primary part of the business are the best fits. Accounts with documented inventory controls, security measures and standard transfer procedures are preferred.
Which coverages can I package for a single placement?Great Southern Agency can package property, general liability, professional liability, inland marine, cyber liability, EPLI and umbrella coverage together to create a consolidated placement tailored to a retailer’s exposures.
Are there states where the program is not available?The program is available in the listed states shown above. Availability and terms can vary by state; please check with underwriting for state-specific requirements and any regulatory limitations.
What information should I include with a submission?Include a completed application, recent loss runs (5 years if available), value schedules for firearms and inventory, descriptions of security and transfer procedures, and details on any background check or dealer recordkeeping processes.
How quickly can underwriting respond to a submission?Response times depend on file complexity and completeness. Providing full loss runs and documentation of inventory controls and security measures helps underwriting evaluate and respond more quickly.
Need help placing an account? Connect with a market specialist.