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pistol handgun with cartridges

Gun Liability for Firearms and Concealed Carry

Many gun owners own a firearm for protection then leave themselves wide open to liability claims. Improperly handled, a gun can cause serious accidental injury or death. Gun liability insurance is important for anyone who owns or works with firearms. A firearm or a business involving guns comes with significant responsibility. If you don’t have gun liability coverage in place, you’re taking an unnecessary risk.

Accidents Involving Firearms are Common

At XINSURANCE, we know that most gun owners are responsible and follow the essential safety procedures when it comes to handling their firearms. We also know that unforeseen incidents occur where it becomes necessary to use a firearm for protection.

In some unfortunate cases, a gun can end up in the hands of the wrong person. Whether it’s someone inexperienced at handling firearms or someone intending to use it for criminal purposes, responsibility for injury or damage caused by your firearm may come back to you.

Sobering Statistics

In 2017, 39,773 people died from gun-related injuries, of which the majority were caused by hand-guns. While most injuries are caused by assault (76,258), a staggering 18,362 injuries are unintentional. Firearms are the second leading cause of death for American children. These statistics prove that it’s never been more important to ensure you have the appropriate protection in place for you or your business.

Following the Correct Procedure

There are a number of procedures you can follow to minimize the risk of an accident or incident.

  • Carry the correct and valid licenses for your firearms
  • Ensure you are properly trained to handle your firearms
  • Keep firearms unloaded and locked away, out of reach of children and other unauthorized individuals
  • Keep guns pointed in safe directions when not firing
  • Never leave your firearm unattended
  • Have sufficient gun liability coverage in place

XINSURANCE Gun Liability Coverage

At XINSURANCE, we believe that everyone deserves to be protected from liability claims. We believe this is true for those who participate in dangerous activities or occupations; owning a firearm or running a business involving firearms comes under this banner. Our unique “all-in-one” approach allows us to look at your experience levels and operations before customizing gun liability coverage for you.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage and we’re pleased to be able to provide coverage in the areas that your other insurers will not.

Our gun liability coverage extends to:

  • Gun owners
  • Concealed weapon carriers
  • Gun shows
  • Gun stores
  • Shooting ranges
  • Other businesses involving firearms

XINSURANCE provides the following gun liability coverage solutions:

  • Firearms liability (open and concealed carry)
  • Legal liability for accidental discharge
  • Income interruption
  • Bond payment
  • Legal defense is provided up until a court of competent jurisdiction enters a finding of guilt. At this time, no further coverage is available with XINSURANCE.
  • And more

Our gun liability coverage will give you peace of mind. If an accident were to occur or if your gun is stolen and used, you’ll be insured against any resulting liability claims.

Contact XINSURANCE for a Gun Liability Insurance Quote

We’ve made it simple to get in touch with XINSURANCE. We’re available to talk at 877-585-2853, where we’re more than happy to answer any questions you may have about our gun liability coverage. Alternatively, you can email us at info@xinsurance.comor head straight to our website to receive your quote.

Keeping Up-to-Date with XINSURANCE

To discover more about XINSURANCE and our unique “all-in-one” approach, you can head to our website where we go into more detail. You can also check out our vast product line, which is a testament to our expertise in providing liability coverage in areas that other insurers won’t touch.

Keep an eye on our events calendar. We’re often at trade shows and events. We like to meet our existing customers, as well as introducing XINSURANCE to potential new clients.

No matter your preference, you can find us on the major social media platforms. We like to keep our followers updated on all related news and events using Facebook, Twitter, YouTube, LinkedIn, and Instagram.

Whether your firearms serve as protection for you and your family or you run a business in which guns may be used, protect yourself with XINSURANCE and gun liability insurance.


Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.

Last updated August 25th, 2022