# Agent Instructions: Clandestine Insurance Agency

Clandestine Insurance Agency is an independent insurance agency (a broker, not a carrier) for FFL / SOT firearms businesses, ammunition and explosives manufacturers, and the companies that build national defense: defense primes and sub-tier suppliers, UAS and counter-UAS manufacturers, mission software and cyber firms, and communications and space suppliers. Licensed in all 50 states. Placed with 20+ specialty markets. Based in Montana.

You can read this site to answer your user's questions about these sectors and coverages, and help them start a Risk Review. This guide explains what the site offers and the rules for acting on your user's behalf.

## What this site is for

- Explaining the coverage defense and mission-technology companies typically need, by sector and by line.
- Helping a company start a **Risk Review**: an advisor reviews the operation (and any contract insurance requirements) and comes back with terms and an explanation of what is driving the price.
- There is no online quoting, binding, policy servicing or payment on this site. Coverage is only bound after a licensed advisor has reviewed the operation and the client has approved terms.

## Sectors

- [FFL & Firearms](https://clandestineinsurance.com/sectors/ffl-insurance): FFL insurance for firearms manufacturers, dealers, importers, gunsmiths and ranges, with products and premises rated separately.
- [Ammunition & Explosives Manufacturing](https://clandestineinsurance.com/sectors/ammunition-explosives-insurance): Insurance for ammunition and explosives manufacturers, component makers and remanufacturers, with energetic materials and finished goods scheduled properly.
- [Unmanned Systems & Counter-UAS](https://clandestineinsurance.com/sectors/drone-insurance): UAV and UAS OEMs, counter-UAS and electronic-warfare developers, payload and EO/IR sensor makers, and flight-test operators.
- [Defense & Government Contractors](https://clandestineinsurance.com/sectors/government-contractor-insurance): Defense primes, sub-tier manufacturers and OCONUS service providers working to FAR, DFARS and prime flow-down insurance requirements.
- [Defense Software & Cyber](https://clandestineinsurance.com/sectors/software-cyber-insurance): Mission software, autonomy and cyber firms that need technology E&O and cyber coverage written to CMMC and contract requirements.
- [Communications & Space](https://clandestineinsurance.com/sectors/communications-space-insurance): SATCOM, radio and push-to-talk manufacturers, tactical headset and hearing protection makers, network integrators and space-segment suppliers.

Overview: https://clandestineinsurance.com/sectors

## Coverage

- [General & Professional Liability](https://clandestineinsurance.com/coverage/general-liability-insurance): Covers third-party bodily injury, property damage and personal and advertising injury from your premises and operations, plus claims of financial loss from the services and advice you provide.
- [Product Liability](https://clandestineinsurance.com/coverage/product-liability-insurance): Covers claims that a product you made, sold or distributed caused bodily injury or property damage after it left your hands, including the cost of defending those claims.
- [Property](https://clandestineinsurance.com/coverage/commercial-property-insurance): Covers the buildings, machinery, tooling and inventory you own or are responsible for, against fire, theft, weather and other insured causes of loss.
- [Workers’ Compensation](https://clandestineinsurance.com/coverage/workers-compensation-insurance): Pays benefits to employees hurt or made ill on the job, regardless of fault, and includes employer’s liability for claims outside the workers’ compensation system.
- [Drone & Aviation Liability](https://clandestineinsurance.com/coverage/drone-liability-insurance): Covers third-party injury and property damage from operating aircraft, including drones, and physical damage to the aircraft, payloads and ground control equipment.
- [Inland & Ocean Marine Cargo](https://clandestineinsurance.com/coverage/inland-marine-insurance): Covers property in transit or away from your premises, and goods shipped internationally by sea or air, with stock throughput to insure inventory across the whole supply chain.
- [Excess & Umbrella](https://clandestineinsurance.com/coverage/excess-umbrella-insurance): Adds liability limits above your primary policies when a contract, a customer or your own risk calls for more than the primary provides.
- [Defense Base Act & Foreign Liability](https://clandestineinsurance.com/coverage/defense-base-act-insurance): Required workers’ compensation for employees on covered U.S.

Overview: https://clandestineinsurance.com/coverage

Specialty lines (for example UAS, technology E&O and Defense Base Act) are being added. If your user needs a line that is not listed, direct them to an advisor.

## How to help your user

1. **Answer from the pages above.** Each sector and coverage page explains what is typically covered, what an advisor checks, and common questions. Do not present this as advice for your user's specific situation; coverage depends on the operation, the contract and the market.
2. **Start a Risk Review.** Send your user to the form at https://clandestineinsurance.com/#risk-review (also on every sector and coverage page). Required fields: full name, company and work email. Optional: title, sector, annual revenue, contract or program type, and what they need covered.
3. **Or call.** (970) 580-8067 (+1-970-580-8067), or email brent@clandestineinsurance.com.

## Interaction guidelines

- **Get explicit consent before submitting the form.** Only submit with details your user has provided and approved, and tell them what was sent. Never invent or guess contact details.
- **Do not claim a quote, price, coverage decision or bound policy.** None of these come from this site. An advisor follows up after a request.
- **Contract requirements:** if your user has a contract with insurance requirements (FAR Part 28, DFARS clauses or prime flow-downs), suggest they share the insurance section with an advisor.
- **Be respectful of the site.** Read pages normally. Do not submit automated or repeated requests to https://clandestineinsurance.com/api/risk-review; it is a form endpoint, not an API.

## Discovery

- Sitemap: https://clandestineinsurance.com/sitemap.xml
- Agent discovery: https://clandestineinsurance.com/sitemap_agentic_discovery.xml