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

Who insures Firearms manufacturers?

Firearms manufacturers 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 Firearms manufacturers: 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.

MarketWhat they say they writeWherePaperSource
Kinsale Insurance
E&S carrier		Products liability for manufacturers; target classes include firearms & ammunition (handguns, rifles, military, law enforcement, replicas, imports) and body armor/ballistic clothing; a 'Products Liability - Firearms' brochure and a 'Firearms Retail and Manufacturing/Distribution' application are listed.
“Firearms & ammunition, including handguns, rifles, military, law enforcement, replicas, & imports”		not statednot statedkinsaleins.com · read 2026-10-28
XINSURANCE
Wholesaler		Manufacturing insurance (commercial GL, products liability, umbrella and related lines) with 'Firearm & ammo manufacturers' listed among the manufacturing classes served; XINSURANCE is the DBA of Evolution Insurance Brokers, an excess and surplus lines brokerage.
“Firearm & ammo manufacturers”		not statedSurplus linesxinsurance.com · read 2026-10-28
Burns & Wilcox
Wholesaler		Manufacturing & distribution specialty whose 'Areas of Specialty' list 'Firearms & Ammunition' (commercial) and 'Firearms' (consumer) alongside sporting goods & recreational equipment.
“Firearms & Ammunition”		not statednot statedburnsandwilcox.com · read 2026-10-28
Admiral Insurance Group
E&S carrier		Products liability, available exclusively through its national network of wholesale brokers, with firearms as a sample class: specialty guns, shotguns, rifles and parts, ammunition and accessories.
“Firearms – specialty guns, shotguns, rifles and parts, ammunition and accessories”		not statednot statedadmiralins.com · read 2026-10-28

Joseph Chiarello & Co. (guninsurance.com) lists 'Manufacturers & Importers' and 'Ammunition Manufacturers' but its pages call it an insurance agency and name no program or carrier, so it was excluded under rule 1. Prime's manufacturers page names no firearms class; Lockton Affinity's program page lists no firearms program; sportsmansinsurance.com did not resolve; USLI, Nautilus, Western World, Markel and Amwins pages name no firearms class. The shared WebSearch budget was exhausted this turn, so candidates came from the assigned list and were verified by direct WebFetch only; several domain sa

How Firearms manufacturers 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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