Firearms, Ammunition, and Ballistic Protection

Aspera provides Commercial General Liability, Products Liability, and Professional Services Liability insurance coverages for a wide variety of firearms risks, including manufacturers, retailers, and recreation establishments.


Manufacturers and Distributors

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


  • Direct retail sales or firearms, parts, and ammunition
  • Military- and police-exclusive sales
  • Online sale of parts, ammunition, or 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, and martial arts weaponry
  • Paintball markers and safety gear
  • Targets/range equipment (binary explosive targets
    considered on a claims-made basis only)

Recreation and Training

  • Ballistics testing facilities
  • Competitive shooting tournaments
  • Firearms instructors
  • Hunt and gun clubs
  • Paintball and airsoft centers
  • Shooting ranges
  • Tactical training classes

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, Products/Completed
    Operations Liability, or Professional Services Liability
  • ISO Occurrence and Claims-Made coverage forms
    (retroactive date continuity provided)
  • Coverage tailored for unique exposures
  • $2,500 deductible unless modified to an individual risk


You can get Firearms insurance 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
  • 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 125 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
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Austin Cheatham, Associate Underwriter
(804) 774-2105
Chris Hinchcliff, Associate Underwriter
(804) 774-2114