Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 3 named markets · read 2026-10-28

Who insures Firearms ranges?

Firearms ranges 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.

3 markets publicly write Firearms ranges: Kinsale Insurance, XINSURANCE, Lockton Affinity Outdoor. 1 E&S carrier, 1 wholesaler, 1 program administrator. 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		Recreational firearm businesses including instruction, ranges, retailers and safety officers; also firearms manufacturers, distributors and retailers; Entertainment Division lists shooting ranges and firearms training as target classes.
“Recreational firearm businesses, including instruction, ranges, retailers, and safety officers,”		not statednot statedkinsaleins.com · read 2026-10-28
XINSURANCE
Wholesaler		Shooting range liability for indoor and outdoor shooting ranges, gun ranges, archery ranges, skeet/trap, specialty ranges, instructors, events and competitions, rental equipment and training classes; firearms liability available in most states.
“We specialize in offering insurance solutions dedicated to shooting range businesses.”		not statedSurplus linesxinsurance.com · read 2026-10-28
Lockton Affinity Outdoor
Program administrator		Firearm business program administered by Lockton Affinity: gun store, indoor gun range, outdoor shooting range and gunsmith insurance for commercial ranges and training centers; coverage may be provided by an excess/surplus lines insurer.
“Whether you need indoor gun range insurance or outdoor shooting range insurance”		not statednot statedlocktonaffinityoutdoor.com · read 2026-10-28

Sportsman's Insurance Agency and Joseph Chiarello & Co. domains did not resolve. K&K recreation program, Amwins Sports & Recreation, Prime outdoor recreation, Admiral and Lockton Affinity main-site pages do not name ranges; Markel pages returned 404.

How Firearms ranges 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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