Firearms, Ammunition, and Ballistic Protection

Aspera provides Commercial General Liability and Products Liability insurance coverages for manufacturing and retail sales of firearms, firearms parts and accessories, airsoft and paintball, archery equipment, ammunition, body armor, and ballistic protection.

TARGET CLASSES

Manufacturers and Distributors

  • Class III NFA/Title II controlled items, suppressors
  • Firearms, firearm parts and accessories
  • Imported products
  • NIJ-listed body armor/plates
  • Non-plate ballistic paneling, armored backpacks, etc.

Retailers

  • Direct retail sales or firearms, parts, and ammunition
  • Military and Police exclusive sales
  • Online sale of parts, ammunition, ballistic protection
    (firearms and controlled parts must be shipped to a
    Federal Firearms License holder)

Sporting Goods

  • Airsoft goods up to 600 FPS velocity (must have an
    orange/neon safety tip)
  • Archery products, including youth archery supplies
  • Knives, swords, martial arts weaponry
  • Paintball markers and safety gear
  • Targets/Range equipment (binary explosive targets
    considered on a claims made basis only)

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • $10,000,000 Excess Capacity available
  • Commercial General Liability and Products Completed
    Operations Liability
  • ISO Occurrence and Claims-made coverage forms
    (Retro date continuity provided)
  • Coverage tailored for unique exposures
  • $2,500 deductible unless modified to an individual risk
    Minimum Premiums
  • $7,500 for firearms and select parts/accessories
  • $5,000 for ammunition and nonoperational parts
  • $2,500 for archery equipment
  • $25,000 for airsoft devices (claims-made basis only)
  • $15,000 for paintball devices (claims made basis –
    occurrence available on a case by case basis subject to
    a $25,000 minimum)

Availability

You can get General Casualty Coverage from us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick response time – receive a quote within hours
  • 12.5% commission on new and renewal commercial accounts
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD 126 and 126 applications; Firearms Supplemental application (Signed and dated by the Insured when bound)
  • Five Year currently valued company loss runs with a description provided for all losses
  • Copy of applicants’ valid Federal Firearms Licenses
  • Expiring policy declarations page for Claims Made from retroactive date continuity (If applicable)
  • Website information or catalog
Send a Submission
Printable Firearms Information

Our Commercial Lines Team

Trish King, Assistant Vice President
(804) 774-2102
trish.king@asperains.com
Ryan Dunne, Underwriter
(804) 774-2107
ryan.dunne@asperains.com
LeAn Hatch, Senior Underwriter
(804) 774-2108
lean.hatch@asperains.com