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Who insures it · 2 named markets · read 2026-10-28

Who insures fireworks retailers and pyrotechnic display companies?

Fireworks retailers and pyrotechnic display companies 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.

2 markets publicly write fireworks retailers and pyrotechnic display companies: Professional Program Insurance Brokerage (PPIB), division of Specialty Program Group, XINSURANCE (Evolution Insurance Brokers, LC). 1 program administrator, 1 wholesaler. 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
Professional Program Insurance Brokerage (PPIB), division of Specialty Program Group
Program administrator		Pyrotechnics program: fireworks manufacturers, Class C retailers, Class B wholesalers, display companies, importers/exporters; general liability, property, auto, cargo, excess. Says it has written pyrotechnics since acquiring the CSI book in 2013.
“We offer insurance coverage to retailers, wholesalers, importers, exporters, and manufacturers of firework displays”		all 50 statesnot statedppibcorp.com · read 2026-10-28
XINSURANCE (Evolution Insurance Brokers, LC)
Wholesaler		Custom pyrotechnics liability for fireworks show/display companies and for companies that manufacture and transport fireworks; event liability, commercial auto for fireworks transport, D&O for pyrotechnics firms. Site describes EIB as an excess and surplus lines insurance brokerage.
“XINSURANCE can provide custom firework shows liability insurance in every state.”		every state ("Coverage Available in All 50 States")Surplus linesxinsurance.com · read 2026-10-28

Only 2 verifiable markets after a genuine attempt. Britton Gallagher's site now redirects to Acrisure (Great Lakes) with no pyrotechnics page; Transportation Risk Underwriters (listed for fireworks property on MyNewMarkets) has a 'Coming Soon' site; CompleteMarkets fireworks storefronts returned 403/404; Kinsale Entertainment does not list pyrotechnics. The web-search budget ran out before more candidates could be checked. XINSURANCE also has a blog page on liability for firework stands (https://www.xinsurance.com/blog/liability-insurance-for-firework-stands/). Prime Insurance Company's produc

How fireworks retailers and pyrotechnic display companies 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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