So I am just getting started as a stocking dealer with no employees and I just want liability for the sales of air rifles. Every place I call for insurance totally confuses air rifles with full on firearms and wants to charge me based on ammo being highly flammable and other dangers associated with real firearms rhat just aren't present with air rifles. Can anyone point me in the right direction for some insurance with someone that understands the difference between firearms and air guns?
Is there any dealers on here that can help me?
- Thread starter Cody01
- Start date
Try Gillingham and Associates, a Division of Philadelphia Insurance Companies.
They supply my hunting insurance. It is a 2 million dollar policy that covers me and the landowners from liability and damages.
If no luck there, try insurance companies that deal with hunting leases and oufitters.
Luck
Doc
They supply my hunting insurance. It is a 2 million dollar policy that covers me and the landowners from liability and damages.
If no luck there, try insurance companies that deal with hunting leases and oufitters.
Luck
Doc
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May look at Excess and surplus lines insurance.
But theres places that cater to gun shops and ranges. For a example
https://www.businessquote.com/gun-stores-and-ranges
Thig is weather you shoot yourself with a bb gun or a 44mag the liability claim is still there..
But theres places that cater to gun shops and ranges. For a example
https://www.businessquote.com/gun-stores-and-ranges
Thig is weather you shoot yourself with a bb gun or a 44mag the liability claim is still there..
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Starting a business is quite the expensive endeavor in our modern times where everyone want to sue everyone for everything. I have been sued for an employee getting one tire off a residential driveway and damaging the grass to the point they called a grass and tree surgeon....nope not kidding. Grin!
How it works locally is that many insurance companies provide Business Liability Insurance be it an electrician, greasy spoon, carpenter, gun shop, or small retail, etc and etc. They provide liability insurance that is more or less blanketed to provide against public liability claims. The catch is that even as a sole proprietor before you can obtain state and city or county business license you must obtain and pay for workers compensation. This does not protect you the owner at all, however it is required to open any business regardless of employees or not.
Yep, everyone has their hands out. It takes quite the sum to grease all the palms. You may eventually find that you will be charged more expensive riders due to the shop is related to guns, regardless of air or powder. Check with a couple local agents and ask about typical business insurance and if it will cover what you wish as they would be the correct route locally.
Cheers
Kit
How it works locally is that many insurance companies provide Business Liability Insurance be it an electrician, greasy spoon, carpenter, gun shop, or small retail, etc and etc. They provide liability insurance that is more or less blanketed to provide against public liability claims. The catch is that even as a sole proprietor before you can obtain state and city or county business license you must obtain and pay for workers compensation. This does not protect you the owner at all, however it is required to open any business regardless of employees or not.
Yep, everyone has their hands out. It takes quite the sum to grease all the palms. You may eventually find that you will be charged more expensive riders due to the shop is related to guns, regardless of air or powder. Check with a couple local agents and ask about typical business insurance and if it will cover what you wish as they would be the correct route locally.
Cheers
Kit
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Our state doesn't require the work comp if its just me. I know thats the law here. I have spent 8 days of my lunch breaks on the phone trying to get insurance this poop is getting old. I will liquidate and quit in the next 2 weeks if I cant get a decent policy. Todays america puts it right up your ass
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America is a lawyers country. When you drive along a busy street you can see the lawyers standing both sides on a curb and waiting for the next clientele.
I am self employed (in Canada) since 2004, a one man shop - mechanical engineering contractor ... every contract I worked onsite in a past 5-6 years I was doing it in a way the CEO's told me to do, and now I am "forced" to semi retired since Oct.2021... Guess why...
I don't work any more fo0r anybody, but interestingly the TAX people still chasing me like every month an interview or audit...
I am self employed (in Canada) since 2004, a one man shop - mechanical engineering contractor ... every contract I worked onsite in a past 5-6 years I was doing it in a way the CEO's told me to do, and now I am "forced" to semi retired since Oct.2021... Guess why...
I don't work any more fo0r anybody, but interestingly the TAX people still chasing me like every month an interview or audit...
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Don't tell them they're Air rifles, tell them Pellet guns & see what reaction you get. Conjures up a different image to the "uninitiated".
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Done that and they lined me up with Lockton Affinity and the guy won't return emails or voicemails. This is going to wrap up about as fast as it got started. Nobody will insure me so I am about to pull the plug. America is NOT small business friendly.
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