Firearms Instructor Insurance acts as a trusty sidekick, always there to have your back in times of need. It’s not just any old insurance; it’s specifically designed to cover the unique risks that come with teaching firearm safety and handling. Whether it’s an accidental injury, damage to your gear or facilities, or even those unexpected legal hiccups, this insurance is like a safety net, ready to catch you and your business.
Picture this: You’re guiding a class through a shooting drill, and something goes awry. It could be a minor injury or something a bit more serious. That’s where Firearms Instructor Insurance steps in. It’s not just about protecting your students but also safeguarding you and your business.
Who needs firearms instructor insurance?
So, who should be buddying up with this type of insurance? If you’re someone who teaches folks how to handle and shoot firearms—whether you’re showing beginners the ropes with basic pistol classes, helping someone set up their home defence, or training security guards—this insurance is for you.
It’s not just for lone wolves, either. Whether you’re running the show alone as a sole proprietor or the big boss of a more extensive operation, this insurance is a perfect fit. It’s also a match for those doing limited military or law enforcement training focused on marksmanship and shooting fundamentals.
But wait, there’s more! Even if you have guests signing liability waivers or parents of minors signing indemnity agreements, you still need this insurance. It’s an extra layer of protection that ensures you’re not caught off guard.
What is firearms instructor insurance?
Firearms Instructor Insurance protects you from the mishaps that can happen in the world of firearm training—think accidental injuries, damage to your equipment or facilities, or even the twisty turns of legal issues.
This insurance isn’t just a generic, one-size-fits-all deal. It’s tailored to cover all the specifics of teaching gun safety and shooting skills. Whether dealing with a sprained ankle during a training session or a legal curveball, this insurance has your back. It’s about giving you peace of mind to focus on what you do best—teaching others how to handle firearms safely.
Who needs firearms instructor insurance?
Now, who should team up with this kind of insurance? If you’re the go-to person for teaching firearm safety and shooting skills—helping beginners learn the basics, training security guards, or conducting specialised military or law enforcement training—then this insurance is your perfect partner.
And guess what? Whether you’re flying solo as a one-person operation or the head of a larger training outfit, it doesn’t matter. This insurance is versatile enough to cover you. Plus, it’s essential for those conducting various training programmes, from basic pistol training to home defence tactics.
Refrain from letting paperwork like liability waivers or indemnity agreements fool you into thinking you’re completely covered. This insurance adds an extra layer of protection, ensuring unexpected events don’t catch you off guard.
What risks are not covered?
So, what’s not in the bag regarding firearms instructor insurance? In the world of firearms instruction, there are certain areas where this insurance says, “Sorry, that’s a no-go.”
First, if your main gig teaches non-firearm skills like driving or martial arts, this insurance might give you a polite wave but won’t cover you. It’s all about those gun-related classes. Also, if you’re teaching beyond borders and running international operations, that’s outside the coverage map.
Let’s get more specific. If your curriculum includes a crash course in explosives, IEDs, or similar devices, that’s a big red flag. This policy prefers to stick to the basics of firearms. And here’s a sensible one: if there’s alcohol involved before or during training sessions, the insurance steps back. Safety first, right?
Scenario-based training for law enforcement or the military that goes beyond the basics That’s also out of bounds. And, if you’re thinking of bringing in automatic weapons to the mix, that’s another area where this insurance says, “That’s not my jam.”
How does liability protection work?
There’s always a risk when teaching firearms—a slip here, a misstep there. Liability protection is your cloak of invisibility against these risks.
Here’s how it works: when your students come in, they’ll sign an approved liability waiver or an assumption of risk form. Please consider this their agreement that they understand the risks involved and won’t hold you responsible for the typical, inherent dangers of firearms training. It’s like them saying, “I got this, and I understand what I’m getting into.”
But what if there are young wizards in your class, aka minors? That’s where their parents or guardians step in and sign an indemnity agreement. This is like an extra layer of magical protection, ensuring that the adults know the risks their young ones are taking.
These documents are like powerful spells. They don’t make you invincible, but they significantly strengthen your defence against potential legal claims. It’s important to remember that they’re not a substitute for good safety practices. They work best with expert training and a safe learning environment.
What are the requirements for instructors?
Being a top-notch firearms instructor has its requirements, just like baking a perfect cake requires certain ingredients.
To begin with, you must hold the appropriate certificates. Consider these to be your golden tickets to the realm of weapons education. If you hold certificates from the NRA or a comparable organisation, you are in the proper place. These certifications are more than just pretty pieces of paper; they are proof that you are capable of handling firearms responsibly and instructing others in the same manner.
But there’s still more! Additionally, make sure that all of your licencing and permissions are up to date. Ensuring you’re appropriately licensed means you’re not just playing by the rules but also showing your students that you’re a credible and responsible instructor.
Recommended firearms instructor insurance providers in the USA
Two prominent firearms instructor insurance providers in the USA are:
Lockton Affinity Outdoor offers Firearm Instructor Insurance coverage against costs associated with property damage or allegations of negligent training. Their pricing varies based on the level of coverage.
- $500,000 per occurrence/$500,000 aggregate: $225 per year
- $1 million per occurrence/$2 million aggregate: $300 per year. The policy includes benefits like no deductible, admitted U.S. coverage approved by most state insurance departments, medical expenses up to $5,000, and professional liability coverage.
- $250,000 per occurrence/$500,000 aggregate: $150 per year.
FTA Protect offers liability coverage for firearms trainers, with up to $1 million in liability coverage for training classes and range requirements. Members also get unlimited coverage certificates without added fees. Coverage is provided by 2A Insurance Captive, the same captive insurance that backs CCW Safe.
Having the right insurance catches you if you stumble, helping you stand back up and continue doing what you love. And with the proper certifications and legal ducks in a row, you’re not just teaching a skill but imparting a culture of safety and responsibility.