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Firearm Business Insurance Built for Your Business

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In Partnership with Lockton Affinity Outdoor

Operating a firearm business carries unique regulatory, liability, and operational risks. A single claim, compliance issue, or customer injury incident can threaten everything you have worked to build.

Whether you run a retail gun store, indoor range, gunsmith shop, or home-based FFL, your exposure is not the same as that of a typical small business.

That is why Gearfire partners with Lockton Affinity Outdoor to provide specialized Firearm Business Insurance designed specifically for the firearms industry.

With more than 25 years of serving firearm businesses and over 4,000 FFLs insured nationwide, Lockton Affinity Outdoor understands this industry in ways traditional carriers simply do not.

Why Firearm Businesses Trust Lockton Affinity Outdoor

Insurance Designed Specifically for FFLs

  • Coverage structured around retail counters, ranges, gunsmith operations, and online sales
  • Protection aligned with ATF compliance realities and firearm-specific liability exposure
  • Programs built for the operational risks that firearm retailers face every day

This is not generic small-business insurance adapted to firearms. It is coverage engineered for your industry from the ground up.

Competitive, Scalable Coverage

  • Among the industry’s lowest minimum premiums
  • Insurance programs designed to grow as your revenue and inventory grow
  • Flexible options that support expanding operations, added services, or additional locations

As your business evolves, your coverage evolves with it.

Unique Capabilities in the Market

  • The only carrier writing home-based FFL businesses
  • Trusted by more than 4,000 FFL operators nationwide
  • Dedicated industry specialists who understand the firearm retail landscape

When a claim happens, experience matters. Working with a carrier that understands your business model can make a meaningful difference.

Coverage That Supports Long-Term Growth

Your business is not static.

Inventory levels increase. Foot traffic fluctuates. You may add a range, expand into eCommerce, or introduce gunsmithing services. Each step forward brings new opportunity and new exposure.

Lockton Affinity Outdoor offers coverage designed to help protect against:

  • Property damage
  • Third-party bodily injury claims
  • Business liability exposures
  • Firearm-specific operational risks

Protecting your inventory, your customers, and your reputation is foundational to sustainable growth. That is why Gearfire recommends Lockton Affinity Outdoor to our retail partners.

A Trusted Insurance Partner for Gearfire Retailers

As part of the Gearfire ecosystem, you have access to insurance solutions tailored specifically to firearm businesses, including:

  • Brick-and-mortar retailers
  • Indoor and outdoor ranges
  • Gunsmiths
  • Home-based FFL operations

This partnership gives you access to specialized protection built around how you actually operate.

Lockton Affinity Outdoor provides firearm business insurance for FFL retailers, gun stores, indoor and outdoor ranges, gunsmiths, and home-based FFL operations nationwide.

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Protect Your Firearm Business Today

See why more than 4,000 firearm businesses trust their insurance to Lockton Affinity Outdoor.

Protect what you have built with coverage designed specifically for the firearms industry.