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Insurance for Firearms Retailers

Securing Your Legacy, Safeguarding Your Firearm retail Business with insurance
Handguns on white brick wall showcased with price tags in gun shop closeup.

At Joseph Chiarello & Co. Inc. we understand that firearm retailers come in various forms - from large-scale, multi-product stores like Walmart or Bass Pro Shops to specialized gun stores. Each type of retailer faces unique risks and requires specialized insurance solutions. Whether you're a big box store with a diverse product line or a smaller outfit focused exclusively on firearms, we have the expertise to protect your business.

Coverage for Big Box Retailers

For big box retailers and large sporting goods stores, where firearms are part of a diverse product range, managing risks requires a comprehensive approach. Our policies cover not just your firearms inventory but also other aspects of your business, from property damage to liability concerns, ensuring a holistic protection plan tailored to your unique needs.

Solutions for Sporting Goods Stores

For sporting goods stores where firearms are an integral yet not exclusive part of your inventory, navigating the complexities of adequate insurance coverage is crucial. At Joseph Chiarello & Co., Inc we recognize the unique challenges you face – balancing the sale of firearms with a wide range of other sporting goods. Our gun store insurance solutions are designed to provide comprehensive coverage that protects not just your firearms inventory, but also the entirety of your diverse product range and associated liabilities. From general liability to property damage, and even specialized risks associated with firearm sales, we ensure your store is safeguarded against all potential eventualities. With our expertise, sporting goods stores can confidently focus on their passion for providing the best sports equipment and service, knowing they are fully protected in every aspect.

Why firearms retailers should have insurance?

Liability Protection

Retailers face potential liability risks associated with selling firearms. Accidents or incidents involving these risks can lead to serious injuries, property damage, or even loss of life. Commercial liability insurance coverage can help protect your business from financial losses resulting from legal claims or lawsuits arising from such incidents.

Theft & Burglary

Retailers are often targeted by thieves due to the high value of their inventory. Insurance coverage can provide financial protection against losses resulting from theft, burglary, or other criminal activities. It can help cover the cost of stolen firearms, property damage, and any resulting interruption to your business.

Fire & Natural Disasters

Fires and natural disasters can cause significant damage to a retail store and its inventory. Firearm business insurance coverage can help you recover financially by compensating you for the loss of firearms, damaged property, and the cost of repairs or rebuilding.

Business Interruption

In the event of a covered loss, such as a fire or burglary, your store may need to close temporarily for repairs or inventory restocking. Business interruption insurance can provide coverage for the resulting loss of income during the closure period.


Many jurisdictions impose insurance requirements on retailers as part of their licensing or permitting processes. You may need to demonstrate proof of firearm business insurance to obtain or renew your licenses. It is essential to review local regulations and ensure compliance to avoid legal penalties or disruptions to your business.

Shotguns for Sale

Get the Comprehensive Coverage You Need Now

Secure the future of your firearms retail business with comprehensive insurance coverage tailored specifically for your industry. Don't leave your success to chance – protect your investment, customers, and inventory from unforeseen events such as accidents, theft, natural disasters and more. Our expert team is here to provide you with peace of mind and financial protection, ensuring that your business thrives without the fear of significant financial losses. Safeguard your legacy today by choosing the right insurance coverage for your retail business. Contact us now to get started on securing your future.


Outstanding Service

"Their service has been outstanding. I would strongly recommend them to any gun dealer in need insurance for their business."

– Charles K.
Great Staff

“The staff has been great over the years we have been customers of theirs. They have always responded extremely quickly.”

– Brian K.
A First Class Broker

“A first class Insurance Broker representing the insured not the insurance company. They are the very best in the business!”

– Fritz S.

Request A Free Quote

Call Now: 800-526-2199. Or submit your inquiry below. We look forward to having the opportunity to work with you!

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