Category Archive: Firearm Liability Insurance

The Trouble with Trouble

January 13, 2012

No one wants to get into trouble. Nobody wakes up and thinks, “Boy. Today, I think I’d like to test the limits of my legal and insurance coverage. Honey? Get the 4-wheelers out! We’re going to test them out on that golf course.”

Trouble is a thing that pops up when least expected. The trick to taking care of trouble is making sure that as many of these little gaps as possible are not problem areas.

Without being alarmists, it can be surprising the things that American adults can be found personally liable for. A large lawsuit can boil down to something simple like: Click here to read more »

Firearm Instructor & Teacher Liability Insurance

June 16, 2009

Statistics show that gun ownership in the United States is at an all-time high. As a licensed firearm instructor, this makes your job more important than ever. By teaching new and inexperienced gun owners how to properly and safely handle their firearms, you greatly decrease the chance that they will be involved in a gun related accident. It’s equally important, however, that you don’t leave yourself personally unprotected. Regardless of the countless precautions you take to stave off every potential mishap, when working with firearms on a daily basis, there are certain factors that are out of your control.

Custom firearm instructor liability insurance coverage plans are available to protect yourself from a number undesirable outcomes that are unfortunately possible in the firearm instruction field. It’s no secret that lawsuits are a legitimate concern for virtually every business in America (just ask the gun manufacturers), so it is in your best interest to seek out a suitable plan as soon as possible. With a custom firearm instructor insurance package, you can shape a plan that will specifically shaped to shelter you from all the various factors in your work that are out of your hands. Glasses and earplugs are mandatory safety precautions at the firing range, so view a custom firearm instructor liability plan as a kevlar vest for your lawsuit exposure.

Shooting Range Insurance – Why Liability Coverage Is Necessary

April 7, 2009

Shooting ranges are a prime target for lawsuits because of their inherent liability risk. There is the obvious risk—injuries and death caused by misfire—but there are plenty of other issues that the owner of a shooting range needs to be aware of, as well. Some are preventable by taking certain security measures, such as stocking the range with proper fire extinguishers and maintaining superb upkeep of the facility. But just like all other aspects of life, the unexpected can and will happen, and that’s when you need to make sure you have the proper shooting range liability insurance coverage plan that’s custom designed for your needs. Shooting range insurance for liability risks can cover a great number of things many people would not expect, such as severe weather incidents such as a patron getting struck by lightning, or a non-club members trespassing onto the property and getting hurt.

Somebody could slip and fall in the range parking lot, while someone else can sustain an injury when using a rifle they purchased from your pro shop and might try to sue the shooting range for damages. Unfortunately, the number of claims that people find to file against shooting ranges seems endless, but the right shooting range liability coverage can keep the range up and running, and most importantly, safe.

Firearms Liability Insurance Coverage & Plans

March 31, 2009

Gun ownership comes armed with plenty of risks—from harmful usage to negligence to theft—yet very few insurance companies offer to insure firearms. The need for individuals to obtain firearm liability is becoming more and more imminent. Across the country, many states are proposing bills that would mandate all firearm owners to maintain a liability insurance coverage plan. Much like drivers need the proper insurance to lawfully operate a vehicle, with something as powerful and potentially dangerous as a gun, firearm owners need to be prepared for all possible scenarios.

It’s a fact that nobody likes to think about, but the number of injuries and deaths that are caused by guns each year is in the thousands and on the rise. No matter how responsible the owner of a firearm may be, accidents happen that can simply not be avoided, and like your mother has told you countless times before, it’s better to be safe than sorry. Whether you own just a single handgun or an entire firearm collection, you can rest assured that you’ll be covered if something unexpected happens. Just cross your fingers that it never does.


With XINSURANCE you can purchase a customized insurance policy that will protect you in all the areas that your homeowners, employers, and business insurance policies won't.


Disclaimer: XINSURANCE is not available in all states. XINSURANCE is not operating in the state of New York.

XINSURANCE is a DBA of Evolution Insurance Brokers, LC. Our insurance policies are issued by excess and surplus lines insurance companies. These insurers may not be licensed by the state insurance department in your state and may not be subject to your state's supervision and may not be protected in the event of insolvency of the insurer by your state's guaranty or security fund. The policy issued may not be subject to any or all of the regulations of your state's insurance department pertaining to policy forms.