If you currently own or are thinking about buying a gun store or gunsmith in California you’re going to need an insurance policy that protects you when things go wrong. We offer insurance policies custom tailored to the gun shop owner, these coverage’s also extend to shooting ranges and hunting operations. Contact us and get a free quote from an A++ Rated California gun store insurance carrier today.
Gun store insurance policies in California can include general liability, commercial auto coverage, property coverage, workers compensation, and much more.
General Liability – This type of coverage protects your gun store from liability losses up to your coverage limits. Standard gun shop liability limits usually cover you with $1,000,000 per occurrence and $2,000,000 aggregate limits. If a client were to slip and fall in your store they could try taking your company to court. A general liability policy can provide coverage for legal fees and even court ordered compensation if needed.
Business property – The property in your gun shop could be completely destroyed or inoperable due to a fire. The property insurance portion of your business package provides coverage for things such as inventory, computers, money, and even the entire building if you own it. Most California gun shops rent their location so building property coverage isn’t needed.
Commercial auto – Does your gun shop use a vehicle for business? If so, you’ll need a commercial auto policy. A regular personal auto policy will NOT cover a vehicle being used for the business. Most gun shop auto polices come standard with hired and non-owned auto coverage. This coverage extends liability to a vehicle your store rents and employee vehicles your employees use for the business (example: you sent an employee out to grab ammo from a warehouse/grab donuts from the donut shop).
Get in touch with one of our California gun store insurance brokers today and have a custom policy tailored to your specific needs. We offer full liability limits for gunsmith operations and no exclusions or limitations are included for these operations.