Coverage
Firearms Liability Insurance for Armed Security
Specialized coverage for armed guard operations, accidental discharge incidents, weapons training liability, and use-of-deadly-force claims.
Firearms liability insurance covers claims arising from the use, handling, storage, and training of firearms by your security officers. Standard general liability policies typically exclude these exposures, making this coverage essential for any armed security company.
What It Covers
Firearms liability covers bodily injury and property damage from firearms use during duty. This includes accidental discharge, intentional use in response to threats, and training-related injuries.
Claims related to improper storage or handling are also covered. Defense costs for firearms-related claims, which can be extraordinarily high, are included.
Regulatory and Licensing Considerations
Armed security companies face complex state regulations. California's BSIS requires a separate firearms permit with annual qualification. Texas DPS oversees armed guard licensing. New York licenses armed guards through the Department of State, with DCJS-approved firearms training requirements.
Most firearms liability policies require all armed guards to maintain current permits. Claims involving guards with expired permits may be denied. Maintaining rigorous training documentation is essential.
Key Coverage Features
- ●Accidental discharge liability for injuries and property damage
- ●Intentional use of deadly force during duty
- ●Firearms training and qualification range liability
- ●Improper storage or handling claims
- ●Defense costs for civil proceedings, plus reimbursement of defense costs in related criminal proceedings, subject to policy terms
- ●Coverage for all guard-carried weapons including less-lethal devices
- ●Wrongful death claims from armed security incidents