Personal Liability Firearm Insurance

Hunting and shooting accident liability

Unfortunately, perfect hunts can be ruined with incidents of accidental discharge, misfires and more. Even if you prefer shooting sports like trap shooting, running targets or pistol shooting, there are risks involved. Should an incident occur while you are hunting or participating in shooting sports, Personal Firearm Liability Insurance protects against the costs associated with a claim.


Accidental discharge can occur when the firearm suffers from mechanical malfunction, when the firearm is dropped, when the firearm is cleaned and more. With Personal Firearm Liability Insurance, lawful gun owners are protected against the costs associated with an accidental discharge claim.

Lost or stolen firearm liability

Even lawful gun owners who store their firearms securely and lend them carefully can be held legally responsible for what is done with the firearm after it is lost, lent or stolen. If your legally possessed firearm is lost or stolen and an incident occurs, Personal Firearm Liability Insurance will protect against the costs associated with claims.

Lawful personal defense

Should you ever need to lawfully use a legally possessed firearm to defend yourself with reasonable use of force, Personal Firearm Liability Insurance will protect against the costs associated with a claim—on a reimbursement basis— once all charges are dropped, or you are acquitted of all charges, up to applicable policy limits.



Whether you keep your guns at home or carry them with you, there is always a risk of theft, damage or loss. And because most homeowners, renters and auto insurance policies limit coverage for firearms, there is a need for additional protection.

With Lockton Affinity Outdoor’s Firearm Insurance, you receive coverage to replace or repair your guns and attached accessories should they be damaged, lost, stolen or ruined in a fire or flood.

As one of the nation’s top firearm insurance providers, we insure more than $300,000,000 worth of firearms, so you can trust us to help protect your guns.

Broad coverage

 Replacement cost coverage for scheduled and unscheduled firearms including antique and collectible firearms

 Replacement cost coverage for firearm accessories such as scopes, rings, mounts, slings and sling swivels

Easy transactions

 Low $250 deductible per claim

 No requirement to file a claim on your homeowner’s policy first

 Admitted U.S. coverage approved by your state insurance department

Additional coverageincluded automatically

 Coverage for newly acquired property for 180 days

 International coverage up to $10,000 for 60 days

 Flood and earthquake coverage up to $30,000


DIgital Gun  Vault

Keep track of serial numbers and important 2A documents in our Digital Gun Vault!

Our digital vault provide secure cloud storage for your gun serial numbers, images and important documentation for quick and secure  access!

Gun Vault Safe