Personal Firearms
Liability Insurance

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Personal Firearms Liability Insurance

A common-sense coverage option for responsible gun owners

As a smart, lawful gun owner, you make gun safety a priority at the range, in the field and in storage. You keep your firearms clean, you practice, you continue to learn and adapt. Despite the actions you take to be safe and responsible, you know there are risks associated with gun ownership and that it pays to act against those risks.

That’s where Personal Firearms Liability Insurance comes in. It’s peace of mind for you as a responsible gun owner and it is peace of mind for the average citizen. That’s why we created Personal Firearms Liability Insurance, a common-sense coverage option for responsible gun owners.

ONE POLICY.

Four essential areas of coverage.

HUNTING AND SHOOTING
ACCIDENT LIABILITY


The crisp, early morning air, the thrill of the wait, the challenge of getting the right shot. Unfortunately, perfect hunts can be ruined with incidents of accidental discharge, misfires and more. Even if you prefer shooting sports like trap shooting, running targets or pistol shooting, there are risks involved.

Should an incident occur while you are hunting or participating in shooting sports, Personal Firearms Liability Insurance protects against the costs associated with a claim.

ACCIDENTAL DISCHARGE
COVERAGE


Accidental discharge can occur when the firearm suffers from mechanical malfunction, when the firearm is dropped, when ammunition is left unknowingly in the chamber of the firearm, when the firearm is cleaned and more. Even the most experienced, safety-focused gun owners can experience accidental discharge incidents.

With Personal Firearms Liability Insurance, lawful gun owners are protected against the costs associated with an accidental discharge claim.

LOST OR STOLEN
FIREARM LIABILITY


Preventing theft and keeping firearms away from those who should not have them is part of responsible gun ownership. Even lawful gun owners who store their firearms securely and lend them carefully can be held legally responsible for what is done with the firearm after it is lost, lent or stolen.

If your legally possessed firearm is lost or stolen and an incident occurs, Personal Firearms Liability Insurance will protect against the costs associated with claims.

LAWFUL PERSONAL
DEFENSE


Should you ever need to lawfully use a legally possessed firearm to defend yourself with reasonable use of force, Personal Firearms Liability Insurance will protect against the costs associated with a claim—on a reimbursement basis— once all charges are dropped, or you are acquitted of all charges, up to applicable policy limits.

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LIMIT OPTIONS

Personal Firearms Liability Insurance limit options and costs:

$250,000 Combined single limit

$50,000 Defense
reimbursement sublimit

$75 PER YEAR 

$500,000 Combined single limit

$100,000 Defense
reimbursement sublimit

$125 PER YEAR 

$1 MILLION Combined single limit

$150,000 Defense
reimbursement sublimit

$175 PER YEAR 

$1.5 MILLION Combined single limit

$250,000 Defense
reimbursement sublimit

$265 PER YEAR 

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Not available in all states

Curious what a policy would look like for you?

Select your state to see a sample policy.

SEE POLICY

CONTACT US

If you have any questions about obtaining or servicing your
insurance, please give us a call or complete this form.

(844) 401-9444
Phones are answered Monday – Friday, 7 AM to 5:30 PM (CST).



Not available in NJ, NY and WA