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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.

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Program Highlights: Novatae Risk Group offers a General Liability insurance program specifically designed for manufacturers and distributors of building materials and construction-related products. Whether your client manufactures or distributes products used in residential or commercial construction, this program provides tailored coverage to help protect against third-party claims arising from their operations, products, or premises. Contractor licensing is not a requirement to qualify, making this program accessible to a broad range of eligible businesses. With flexible underwriting and access to multiple carriers, Novatae can help you secure competitive terms for your clients in this niche space. Eligible Classes Include: Appliance Distributors and Manufacturers Building Material Distributors Door and Window Manufacturers Electrical Equipment Distributors and Manufacturers Heating and Air Conditioning Equipment Locksmiths Lumberyards Manufacturers Metal Goods Dealers Paint Manufacturers Plumbing Suppliers Wood Products Manufacturers And Many More . . . . Coverage Highlights and Advantages: This program provides General Liability coverage designed to address the risk exposures common to manufacturers and distributors in the building materials sector. Coverage includes premises liability, products and completed operations, and can help protect against bodily injury or property damage claims related to the insured’s products or day-to-day operations. The program can accommodate a wide range of operations, from small family-run distributors to regional manufacturers supplying specialty construction components. Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the class of business, size of operation, and risk characteristics. Novatae works with a variety of carriers to provide flexible solutions tailored to each submission. Submissions with clear product descriptions, safety protocols, and loss history will be reviewed promptly. Territories and Availability: This program is currently available in California, Nevada, and Texas. Most placements will be on a non-admitted basis, depending on the carrier and risk profile. Novatae’s team is well-versed in navigating E&S markets and helping you find competitive options for your hard-to-place or niche clients. Why Work With Novatae Risk Group: As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae brings deep expertise in niche markets and specialty industries. Their team understands the unique liability exposures faced by manufacturers and distributors and offers responsive service, underwriting insight, and access to a broad network of carriers. Whether you're placing a straightforward account or a more complex risk, Novatae is a reliable partner for your wholesale insurance needs. You might have a client who manufactures HVAC components for residential construction, or a distributor that supplies electrical fixtures to contractors across Texas—both would be strong candidates for this program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of building materials and construction-related products, including HVAC equipment, plumbing supplies, electrical components, and wood or metal goods. Is a contractor’s license required to qualify for this program?No, contractor licensing is not required. The program is focused on product manufacturers and distributors, not contractors performing on-site construction work. In which states is this program available?The program is currently available in California, Nevada, and Texas. What is the minimum premium for this program?Minimum premiums vary based on the class of business and risk profile. Contact Novatae for specific underwriting guidelines. What carriers does Novatae work with for this program?Novatae partners with a variety of carriers. Carrier selection depends on the risk characteristics and state availability. Need help placing an account? Connect with a market specialist.

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