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Joseph Chiarello & Co., Inc. brings over 30 years of specialized experience to the firearms industry. As a trusted general agency, we understand the unique risks involved in firearms-related operations and offer tailored insurance solutions to meet these challenges. Whether you're placing coverage for a firearms dealer, manufacturer, gunsmith, or shooting range, our Firearms Business Insurance program is designed to help agents and brokers like you secure reliable protection for your clients. Overview of the Program From Joseph Chiarello & Co., Inc. Our Firearms Business Insurance program is underwritten by Granite State Insurance Company, which is backed by strong financial ratings and industry stability. We offer both Commercial Insurance Packages and monoline General Liability policies, giving you the flexibility to match the right coverage to your client’s business operations. Our commercial package typically combines property coverage with premises and products liability—ideal for businesses that manufacture, distribute, or sell firearms and related products. Ideal Accounts and Appetite This program is well-suited for a wide range of firearms-related businesses, including: Retail firearms dealers (brick-and-mortar or online) Distributors and wholesalers Gunsmiths and custom builders Manufacturers of firearms, ammunition, or accessories Indoor and outdoor shooting ranges If you have a client operating a multi-location retail store or a startup manufacturer producing firearm components, this program can accommodate those accounts with scalable coverage and appropriate liability limits. Coverage Highlights and Advantages Key features of our Firearms Business Insurance program include: Commercial General Liability with a minimum of $1 million per occurrence Higher limits available—up to $10 million Property coverage options for inventory, buildings, and equipment Product liability tailored to the firearms industry Flexible packaging with monoline or combined coverages Our underwriting team is experienced in the nuances of firearms operations, allowing for faster turnaround and appropriate risk evaluation. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the business. We take into account factors such as type of operation, gross sales, and risk exposures. Our underwriting process is streamlined to help you get quotes and binders efficiently. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, PA, and IL. We can write both admitted and non-admitted business where applicable. Please contact us to confirm availability in your client’s specific state. Why Work With Joseph Chiarello & Co., Inc.? We are one of the few agencies in the country with dedicated expertise in firearms-related insurance. Our long-standing industry focus means we understand the operational, regulatory, and reputational risks your clients face. Partnering with us gives you access to specialized markets, responsive underwriting support, and dependable coverage options for your firearms accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for firearms dealers, distributors, manufacturers, gunsmiths, and both indoor and outdoor shooting ranges. What are the liability coverage limits available?The program starts with a minimum of $1 million per occurrence, with limits available up to $10 million depending on the risk profile. Is coverage available in all states?Coverage is available in most U.S. states. Please check with us to confirm availability for your client’s specific location. Can I place monoline General Liability without property coverage?Yes, monoline Commercial General Liability policies are available if your client does not need property coverage. What carrier underwrites this program?Granite State Insurance Company underwrites the program, offering strong financial backing and industry credibility. Need help placing an account? Connect with a market specialist.

...ating liability issues tied to manufacturing, importing, or distributing goods...secure reliable coverage for your manufacturing and distribution clients. Thei...

...lowing classes: Industrial / Manufacturing Manufacturers/Roofers Machinery Repair Auto Parts Manufacturing Railroad Protective Oil a...