Insurance myths in the firearms industry: What you shouldn't believe

When it comes to firearms and shooting clubs, insurance is often misunderstood. Misconceptions can leave individuals and clubs exposed to risks they thought were covered. By separating fact from fiction, you can ensure your protection is fit for purpose.

Myth 1: “Standard business insurance covers firearms.”

Not all policies are created equal.

Many assume a generic business or trades policy automatically covers firearms, ranges, or club activities. In reality, most standard policies exclude firearms entirely or impose strict conditions that don’t reflect the realities of shooting clubs.

Specialist cover is essential.

Myth 2: “Theft cover applies wherever my guns are stored.”

Location matters more than you think.

Some policies only cover theft if firearms are stored in a specific way – such as in a locked cabinet at home or a secure facility. Theft from vehicles or clubhouses may not be included unless specifically requested.

Myth 3: “Public liability is automatically included.”

Assumptions can be costly.

Public liability cover is essential for clubs and instructors, but not all policies include it. Without it, you could be personally liable for claims arising from accidents or injuries on club grounds.

Myth 4: “All insurers understand firearms.”

Specialist knowledge makes the difference.

Insurance for firearms and shooting clubs is a niche area. Many brokers lack the expertise to navigate exclusions, conditions, and specialist risks. Working with a broker who understands the industry ensures you don’t discover gaps when it’s too late.