Operating in the firearm manufacturing industry requires precision, compliance, and a deep understanding of liability. In California—where gun laws are among the strictest in the country—firearm manufacturers face unique regulatory, legal, and operational risks. That’s why having the right firearm manufacturing insurance is not optional—it’s a critical part of doing business safely and responsibly.
Why Firearm Manufacturers in California Need Insurance
Whether you’re producing rifles, pistols, ammunition, or custom parts, manufacturing firearms comes with intense scrutiny and a high liability threshold. From ATF compliance to product liability claims and workplace accidents, each stage of production can expose your business to legal and financial threats.
Without proper coverage, one lawsuit or operational breakdown could shut your facility down. Firearm manufacturing insurance provides tailored protection to keep your company compliant, covered, and competitive.
Core Risks in Firearm Manufacturing
Product liability claims from defective weapons or ammunition
Explosions, fires, or hazardous materials on the production floor
Equipment failure or damaged CNC machinery
Workplace injuries from handling flammable or heavy materials
Legal challenges involving licensing or distribution
Theft or vandalism targeting firearm inventory
Transport risks for high-value, regulated goods
Recommended Coverage Options
1. Business Owner’s Policy (BOP): Combines general liability, commercial property, and business interruption coverage—ideal for firearm manufacturers with physical production space.
2. General Liability Insurance: Covers claims involving bodily injury, property damage, or lawsuits from third parties.
3. Product Liability Insurance: Crucial for manufacturers. Covers injuries or damages resulting from firearm malfunctions, misfires, or ammunition defects.
4. Workers’ Compensation Insurance: Required in California. Covers injuries to employees operating machinery or handling volatile materials.
5. Equipment Breakdown Insurance: Covers repair or replacement costs for manufacturing tools, including lathes, heat-treating equipment, or robotic arms.
6. Surety Bond Insurance: Helps meet licensing obligations or contractual commitments, particularly for government contracts.
What Can Be Insured?
Firearm assembly lines and testing facilities
Ammunition manufacturing operations
Firearm accessories like triggers, scopes, and stocks
Gunsmithing and custom fabrication shops
Military and police contract manufacturing
Warehousing and transport of finished goods
Legal & Regulatory Considerations
California firearm manufacturers must maintain federal and state compliance with the ATF, DOJ, and local agencies. Having a well-structured insurance policy doesn’t just protect your assets—it can also support licensing approvals and contractual bids by proving financial responsibility.
Benefits of Firearm Manufacturing Insurance
Minimises the financial impact of product recalls or lawsuits
Ensures compliance with state and federal laws
Protects employees and production equipment
Offers coverage for high-value inventory and tools
Builds confidence with distributors, buyers, and regulators
Protect Your Operation with Confidence
California firearm manufacturers operate in one of the most highly regulated spaces in the country. Don’t let a compliance gap or legal claim derail your business. Invest in firearm manufacturing insurance that meets industry demands and gives you the stability to innovate and grow responsibly.