FFL & Firearms
FFL insurance for firearms manufacturers, dealers and importers.
FFL and SOT holders, from manufacturers and importers to dealers, gunsmiths and ranges. Products and premises rated separately, with markets that write firearms instead of avoiding them.
Know your coverage
What FFL insurance should cover.
Many carriers will not write firearms risk at all, and those that do often rate the whole operation as a single exposure.
A better FFL insurance program separates products liability from the premises, schedules inventory properly and treats ranges and test-fire areas on their own terms. That is usually the difference between a workable price and a decline.
- 01
Products liability
For firearms, parts and accessories once they leave your control, rated on what you actually make or sell.
- 02
Property & inventory
Buildings, machinery and firearms inventory scheduled by category, including finished goods in your vault.
- 03
Range & premises liability
Retail floors, ranges, test-fire areas and visitors covered on their own terms.
- 04
Excess & umbrella
Higher limits for distributor, retailer and government contract requirements.
FFL & Firearms
FFL and SOT holders we insure
Licensed businesses across the firearms industry, from the manufacturer to the counter.
- Firearms manufacturers (FFL Type 07 / SOT)
- Dealers and retail gun stores
- Importers and distributors
- Gunsmiths and custom builders
- Online firearms retailers
- Indoor and outdoor ranges
Why Clandestine
Why FFL holders call us
- 01
Markets that write the class
Your submission goes to carriers that write firearms, not ones looking for a reason to decline.
- 02
Products and premises rated apart
What you make or sell is rated on its own, which is often where the price comes down.
- 03
Inventory scheduled properly
Finished goods, work in progress and consigned firearms scheduled by category, so a loss pays out the way it should.
- 04
We explain the terms
Exclusions and conditions that matter for firearms are spelled out before you bind.
Common questions
FFL insurance questions, answered.
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
Often, yes. A non-renewal usually means the carrier stopped writing the class. We take your submission to markets that still do.
Yes. Tell us your license types and what you manufacture, and we rate the program on it.
Yes. Ranges and test-fire areas can be included and rated on their own terms.
Yes. We are Montana-based and licensed in all 50 states.
Request a Risk Review
Tell us about the operation. We’ll tell you what’s driving the price.
No obligation, and nothing is bound until you approve it. Prefer to talk? Call (970) 580-8067.
- Licensed in all 50 states
- 20+ specialty markets
- Brokers, not a carrier
Thanks. Your request is in. A licensed advisor will be in touch within one business day.
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