Who insures it · 4 named markets · read 2026-10-28

Who insures Ammunition?

Ammunition is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write Ammunition: Kinsale Insurance, XINSURANCE, Burns & Wilcox, Admiral Insurance Group. 2 E&S carriers, 2 wholesalers. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Kinsale Insurance E&S carrier	Products liability for manufacturers with 'Firearms & ammunition' (including military and law-enforcement) as a target class. “Firearms & ammunition, including handguns, rifles, military, law enforcement, replicas, & imports”	not stated	not stated	kinsaleins.com · read 2026-10-28
XINSURANCE Wholesaler	Manufacturing insurance (GL, products liability, umbrella) naming 'Firearm & ammo manufacturers' among the manufacturing classes it serves; offered through an unlicensed surplus lines insurer. “Firearm & ammo manufacturers”	not stated	Surplus lines	xinsurance.com · read 2026-10-28
Burns & Wilcox Wholesaler	Manufacturing & distribution specialty listing 'Firearms & Ammunition' as a commercial area of specialty. “Firearms & Ammunition”	not stated	not stated	burnsandwilcox.com · read 2026-10-28
Admiral Insurance Group E&S carrier	Products liability (via wholesale brokers) whose firearms sample class expressly includes ammunition and accessories. “Firearms – specialty guns, shotguns, rifles and parts, ammunition and accessories”	not stated	not stated	admiralins.com · read 2026-10-28

Chiarello's ammunition page ('we specialize in providing tailored insurance solutions for ammo manufacturers') was excluded because the site describes itself as an agency with no program/carrier named. Prime's manufacturers page names no ammunition class; Lockton Affinity lists no firearms/ammunition program. The shared WebSearch budget was exhausted this turn, so candidates came from the assigned list and were verified by direct WebFetch only; several domain safety checks were rate-limited and retried once.

How Ammunition gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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