Precision, Responsibility, and Protection
Manufacturing firearms is a high-liability industry, and in today’s regulatory environment, the margin for error is razor-thin. Whether you produce handguns, rifles, shotguns, components, or accessories, your business faces scrutiny from legal authorities, compliance bodies, and the public alike. That’s why having comprehensive Firearm Manufacturing Insurance is not just important—it’s absolutely critical.
In California and across the USA, firearm manufacturers must balance operational risks, product liability exposures, and strict compliance with federal and state regulations. Our tailored insurance solutions help ensure you’re protected from all angles—so you can focus on quality, safety, and responsible production.
What Does Firearm Manufacturer Insurance Include?
Our custom-built policies are designed to protect gun manufacturers from both general and industry-specific threats:
General Liability Insurance – Covers third-party injury or property damage resulting from your operations
Product Liability Insurance – Vital protection in case a firearm malfunctions or is involved in an injury or death
Commercial Property Insurance – Protects your facility, machinery, inventory, and finished firearms against theft, fire, or natural disasters
Business Owner’s Policy (BOP) – A bundled, cost-effective plan that combines general liability and property coverage
Workers’ Compensation Insurance – Required in California for injuries sustained by employees while machining, testing, or assembling firearms
Product Recall Insurance – Assists with the costs of recalling defective or dangerous firearms and managing legal obligations
Cyber Liability Insurance – Important if you store sensitive customer data or manage digital manufacturing systems
Inland Marine Insurance – Protects firearms and parts in transit, including to retailers, distributors, or shows
Umbrella Insurance – Adds an extra layer of liability protection above your standard policy limits
Crime Insurance – Covers internal theft, embezzlement, or unauthorised access to weapons and manufacturing materials
More manufacturing-specific coverages are available on our Manufacturer Insurance California page.
Why Firearm Manufacturing Requires Specialised Insurance
This industry faces some of the highest liability exposure across all manufacturing sectors. Even with strict quality controls, if a firearm is used in a crime or fails during use, your business could be drawn into legal battles—even if you’re not directly at fault.
Key Industry Risks Include:
Defective barrels, firing mechanisms, or safeties
Claims resulting from injuries or deaths caused by firearm malfunction
ATF and state licensing compliance violations
Product recalls involving safety issues or mislabelled ammunition compatibility
Employee injuries from machining or test-firing weapons
Theft or unauthorised use of inventory or prototypes
Negative media exposure and reputational damage
Your Firearm Manufacturing Insurance policy should be as precise and reliable as the products you create.
Frequently Asked Questions
Q: Is Product Liability Insurance legally required for gun manufacturers?
A: While not legally mandated, it is considered essential. In this industry, a single lawsuit could be financially catastrophic. Product Liability Insurance helps protect against that risk.
Q: What regulations do these insurance policies help with?
A: Coverage can support compliance with ATF regulations, California DOJ guidelines, and federal firearms license (FFL) requirements. This can include risk assessments and documentation support in audits.
Q: Can I get coverage if I manufacture both firearms and ammunition?
A: Yes. We can build a policy that covers both arms and ammunition production, including liability and product recall protection for both components.
Q: Is firearm inventory covered during shipping or exhibitions?
A: Yes. Inland Marine Insurance can be included to protect your firearms in transit, at trade shows, or while stored off-site.
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Still Have Questions?
Whether you’re expanding your floor space or integrating new robotic automation, let’s make sure your insurance grows with your operation. Our team works closely with manufacturers across California to deliver scalable coverage that protects your shop now—and into the future.