Firearms Instructor Insurance: Why It is a Must-Have for Your Business

As a firearms instructor, you have a big responsibility to both yourself and your clients. You need to ensure that your clients understand how to handle firearms safely and legally, while mitigating risks that could cause injury or death. However, despite your best efforts, accidents can still happen. This is why firearms instructor insurance is a must-have for your business.

What is Firearms Instructor Insurance?

Firearms instructor insurance is a type of liability insurance that provides coverage for claims arising from your business activities as a firearms instructor. It can cover a variety of different aspects of your business, including:

What it Covers	What it Does Not Cover
General Liability	Intentional Acts
Professional Liability	Criminal Acts
Product Liability	Employee Injuries

With firearms instructor insurance, you can have peace of mind knowing that you are protected from the risks associated with your business activities, and that you have the financial resources to handle any claims that may arise.

Why Do You Need Firearms Instructor Insurance?

There are several reasons why firearms instructor insurance is a must-have for your business:

Protection from Liability Claims

As a firearms instructor, you are responsible for teaching your clients how to handle firearms safely and legally. However, accidents can still happen, and if someone is injured or killed as a result of your business activities, you could be held liable. With firearms instructor insurance, you can have the financial resources to pay for legal fees, settlements, and judgments in the event of a liability claim.

Protection for Your Assets

If you do not have firearms instructor insurance, you may be personally liable for any claims against your business. This means that your personal assets, such as your home, car, and savings, could be at risk in the event of a lawsuit. With firearms instructor insurance, your assets are protected, and you can focus on growing your business without worrying about the potential for financial ruin.

Peace of Mind

Finally, firearms instructor insurance provides you with peace of mind knowing that you are protected in the event of a liability claim. You can focus on teaching your clients and growing your business without worrying about the potential for financial ruin.

What Does Firearms Instructor Insurance Cover?

Firearms instructor insurance can cover a variety of different aspects of your business, including:

General Liability

General liability coverage provides protection if someone is injured or suffers property damage as a result of your business activities. It can cover medical expenses, legal fees, and other costs associated with a liability claim.

Professional Liability

Professional liability coverage provides protection if you are sued for negligence or errors and omissions in the services you provide as a firearms instructor. It can cover legal fees, settlements, and judgments.

Product Liability

Product liability coverage provides protection if someone is injured or killed as a result of a defective firearm or ammunition that you sold or distributed. It can cover legal fees, settlements, and judgments.

How Much Does Firearms Instructor Insurance Cost?

The cost of firearms instructor insurance can vary depending on a variety of factors, including your location, the size of your business, and the coverage that you need. However, most policies can be customized to meet the specific needs of your business, and premiums typically start at around $500 per year.

How Do You Get Firearms Instructor Insurance?

There are several ways to get firearms instructor insurance, including:

Insurance Companies

Many insurance companies offer firearms instructor insurance as part of their liability insurance offerings. You can contact an insurance agent or broker to find out more about your options.

Membership Organizations

Some membership organizations, such as the National Rifle Association (NRA), offer firearms instructor insurance as a benefit of membership. If you are a member of an organization, you may be able to get insurance at a discounted rate.

FAQs

What is the difference between general liability and professional liability?

General liability covers claims arising from bodily injury, property damage, or personal injury that occur as a result of your business activities. Professional liability covers claims arising from errors and omissions or negligence in the services you provide as a firearms instructor.

What is covered under product liability?

Product liability covers claims arising from injuries or damage caused by a defective firearm or ammunition that you sold or distributed.

Do I need firearms instructor insurance if I only teach at a shooting range?

Yes, you still need firearms instructor insurance if you teach at a shooting range. If someone is injured or killed as a result of your business activities, you could be held liable, regardless of where you teach.

Can I get insurance if I teach outside of the United States?

Yes, some insurance companies offer coverage for firearms instructors who teach outside of the United States. You should check with your insurance provider to see what options are available.

Can I be held liable if a client takes their firearm and commits a crime?

If a client takes their firearm and commits a crime, you are generally not held liable. However, if it can be proven that you were negligent in your training or failed to take reasonable precautions to prevent the client from using the firearm in an illegal manner, you could be held liable.

Conclusion

Firearms instructor insurance is a must-have for any firearms instructor who wants to protect their business and their assets. With coverage for liability claims, errors and omissions, and product liability, you can have peace of mind knowing that you are protected in the event of a lawsuit. Don’t take chances with your business – get firearms instructor insurance today.