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Sparks falling off a bridge into water with fireworks in the sky

Licensed Pyrotechnics Liability Insurance

Whether it’s for a mid-summer fireworks display, sending flames up in the air at a concert, or even destroying a car or building for a stunt, it’s crucial to make sure you have the right liability insurance when using pyrotechnics. While many experts might have years of experience and a license given by government-approved agencies, that doesn’t mean they shouldn’t worry about what happens if something goes wrong and they’re faced with a lawsuit.

No matter how many precautions are taken to ensure that nobody gets hurt, accidents can still happen, and in certain industries, accidents are can ultimately be viewed as unavoidable.

That’s why it’s important to make sure that whenever pyrotechnics are being used, you have proper pyrotechnics liability insurance to ensure protection for when something does go wrong. This will not only help limit your potential losses in the event that a lawsuit is filed against you as the result of either physical harm to someone or property damage, but also make sure that your business is within any state or city laws that may require liability insurance for any event using pyrotechnics.

Not every business or homeowner insurance policy will cover lawsuits from pyrotechnics, which is why you need to make sure you’re able to find a custom pyrotechnics liability coverage plan that covers what standard insurance policies don’t.

Who Needs Pyrotechnics Liability Insurance?

If your business involves setting up and conducting fireworks shows, liability insurance is essential for minimizing your company’s exposure and protecting your assets. Additionally, you’ll need to carry the insurance to comply with federal, state, and local regulations. Companies that manufacture and transport these potentially hazardous products also need the coverage to protect against injuries and damage from accidents that can occur during these activities.

What Does Licensed Pyrotechnics Liability Insurance Cover?

XINSURANCE can provide a tailored, all-in-one pyrotechnics liability insurance policy that offers true umbrella coverage. Depending on your business’s unique requirements, your plan can include a combination of the following:

  • General liability: This broad form of liability coverage offers protection from injuries or property damage sustained by third parties during your day-to-day operations.
  • Commercial auto: If you use trucks to transport fireworks or other pyrotechnics products, this insurance covers you and your drivers for bodily injury and property damage to others resulting from work-related accidents.
  • Excess liability: If you already have a base pyrotechnics liability insurance policy, we can offer additional coverage that extends the limits of your current program.
  • Event liability: This coverage protects you from injuries and property damage during fireworks displays and other events. It can also reimburse you for lost deposits and fees due to event cancellations.
  • Directors and officers liability: D&O insurance covers losses resulting from wrongful acts allegedly committed by a director or officer of a pyrotechnics manufacturing, sales, or display company.

We Take the Most Challenging Risks

Because of the hazardous nature of these activities, obtaining adequate liability insurance for pyrotechnics can be difficult. At XINSURANCE, we’re willing to take exposures that many other providers avoid. If you have already experienced a cancellation, non-renewal, or rejection, we’re ready to step in and fill the void. We even work with businesses that have an adverse claims history. Our in-house underwriting team has the flexibility to develop and implement innovative, customized coverage solutions that work for each policyholder’s unique circumstances.

If you require a higher coverage amount to protect your assets and reduce your exposure, XINSURANCE can meet your needs. We can provide a liability policy with limits as high as $10 million. If you need more coverage, limits of up to $20 million are also available through our reinsurance partners.

Excellent Claims Service

No pyrotechnics company wants to be in a situation where they must file a liability claim. But if the time comes, XINSURANCE will be with you every step of the way. We offer access to a 24/7 hotline so you can report an incident as quickly as possible. You’ll speak to an experienced professional who is willing to help and has your best interests in mind.

We’ll get right to work processing the claim to ensure a fast, fair resolution. If an injured party decides to file a lawsuit against you and your company, we’ll provide an aggressive defense to help you attain the most favorable outcome. We’re also willing to help with existing claims that your previous provider hasn’t been able to settle or resolve.

We Make It Easy to Apply for Pyrotechnics Liability Insurance

Many pyrotechnics insurance providers require applicants to jump through a lot of hoops or deal with endless amounts of red tape. At XINSURANCE, we take a different approach. We’ve streamlined our application process to save time and eliminate hassles.

Start by completing and sending in our online application. Our underwriting team will review the information and schedule a time to discuss the risk with you over the phone. Next, we’ll issue a no-obligation quote as quickly as possible. If you choose to move forward and pay the first premium, we’ll bind the coverage and approve your new policy without delay.

Coverage Available in All 50 States

Pyrotechnics displays occur throughout the U.S., and many companies conduct their operations nationwide. XINSURANCE can provide custom firework shows liability insurance in every state. It’s comforting to know that you can get the protection you need no matter where you do business. We helped thousands of individuals and companies over several decades get covered in all types of situations.

Get Your Pyrotechnics Liability Insurance Quote Today

Get the liability coverage you need to protect your business and personal assets and experience true peace of mind. Contact XINSURANCE for additional information and to get the process started. Give us a call at 877-585-2853 or fill out and submit our online quote form today.


There are few things as troubling as hearing that you’re not covered by your insurance policy. XINSURANCE was founded on the belief that no one should ever have the fear of being under-covered. By providing you with access to customized liability insurance policies that cover gaps in your traditional insurance coverage, XINSURANCE helps minimize exposures and maximize peace of mind.

Updated May 18, 2021

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.