FFL Insurance Requirements: A Complete Guide for Gun Store Owners

Essential Coverage Types

Commercial General Liability (CGL)

CGL coverage is the foundation of any firearms business insurance program. It protects against:

• A customer is injured on your premises
• Gunsmiths performing modifications that result in property damage
• Products liability claims

Factors Affecting Your Premium

1. Location and crime rates in your area
2. Total inventory value
3. Number of employees
4. Annual revenue

Understanding these factors helps you get the best possible coverage at competitive rates.