XINSURANCE: Protecting Gun Owners and Firearms Businesses

Before XINSURANCE invited me to attend firearms training with some of their staff at Where Our Families Train  (WOFT), I knew almost nothing about them. I figured they were just another insurance provider and was confused about their relationship with the training facility and why they invited writers from the firearms world to join in. But after a few phone calls and spending two days in scenario training at WOFT (you can read about the facility and my experience training) involving firearms use, self-defense, range activities, and force-on-force, I quickly learned how critical specialized coverage is for gun owners and firearms businesses—and how XINSURANCE, as a broker, plays a unique role in providing that protection.

XINSURANCE is a broker that partners with a top-rated insurer to offer custom coverage solutions. Their specialty is finding coverage solutions for high-risk individuals and businesses, including firearms owners, gun shops, and shooting ranges, which many standard insurers refuse to cover. They even offer products for Bounty Hunters, Security Guards, Parkour & Ninja Warrior Gyms, and Circuses (which means the misfits at TFB should be able to get coverage). 

As an example (and relevant here), WOFT is one of XINSURANCE’s customers and is a specialized facility that engages students with plenty of hands-on training, including firearms and simulators for things like low-light applications and anti-carjacking. During the training, we engaged with sticks/batons, high-intensity lights, and UTM pistols. During one of the low-light scenarios, I was ambushed and dumped on the ground by Erik Gianini for some aggressive cuddling while Philip Toppino ( owner of WOFT) was trying to get in on the action. Try going to your friendly neighborhood insurance agent and getting coverage for a business like that.

By filling gaps in coverage, XINSURANCE ensures clients are protected from risks that traditional policies overlook. This article will mainly focus on the products they offer for firearms and firearm-related activity coverage. I’m unsure if they have something that would cover sh*tposting in the comments section on your favorite blog, though…

What Does XINSURANCE Offer Solutions For?

XINSURANCE’s approach is all about finding custom insurance solutions for the specific risks that gun owners and businesses face. They don’t directly provide the insurance but work with their partner insurer to offer coverage that fits your needs.

Personal Liability Coverage

One of the critical areas XINSURANCE helps cover is personal liability. If you’re a gun owner and ever have to use your firearm in self-defense, the legal fallout can be immense–and we aren’t even discussing carrying concealed; this could be against a home invasion or this one. XINSURANCE provides custom insurance solutions to cover risks such as legal defense fees, civil suit defense, and even bail bond payment in case of a self-defense claim. Most homeowners or renters insurance doesn’t cover these risks, leaving gun owners vulnerable.

Business Protection for Gun Shops and Ranges

For firearms-related businesses, the stakes are even higher. A single lawsuit for a defective firearm, a range accident, or an issue with firearm transportation can cripple a company or shut them down. XINSURANCE provides custom insurance solutions that cover everything from product and premises liability to firearms transport. Any shop with a decent amount of business will eventually have an issue, either from break-ins or idiots that come in for service and whip out a loaded gun (finger on the trigger, of course) to hand over to staff. One of the features of XINSURANCE is that they fill the gaps that are in traditional business insurance policies. This helps ensure that gun shops, ranges, and manufacturers have comprehensive protection.

Concealed Carry Insurance

Concealed carry holders also face unique risks. XINSURANCE offers custom insurance solutions that may include legal defense for those needing to use their firearm in self-defense. This is critical coverage, especially as concealed carry incidents can quickly lead to complex (and expensive) legal battles. There are a few other companies out there that offer insurance for CCW holders, but not all of them include legal defense if an incident, claim, or lawsuit occurs.

Professional Liability

Firearms instructors, security professionals, and armed employees operate in high-risk environments where negligence claims are not uncommon. XINSURANCE provides custom insurance solutions for professional liability coverage, ensuring that these professions are protected if an accident or problem occurs. Like in my example in the intro–not many insurance brokers will find coverage that will support rolling around on the ground with a live UTM system in a darkened room with a group of assailants.

Why Firearms Liability Insurance Is Important

The number of gun owners in the U.S. continues to rise, but with ownership comes serious responsibility. Traditional insurance policies, like homeowners or general business liability, often exclude coverage for firearm-related incidents. If an accidental discharge results in property damage or injury, gun owners and businesses could be left facing crippling legal fees and damages without the right insurance in place.

Firearms liability insurance is essential because it covers situations where other policies fall short. Like the examples I gave in the Personal Liability section, a homeowner using their firearm in self-defense might be legally justified, but they could still face a civil lawsuit from the injured party. Without firearms liability insurance, they would need to cover legal costs and any damages out of pocket. XINSURANCE provides custom insurance solutions that may protect gun owners from these financial risks so they have the resources to defend themselves.

For businesses, the risks are even more significant. Gun shops, shooting ranges, and manufacturers operate in an increasingly litigious environment. A single incident involving a firearm sold or used at a range could lead to a lawsuit that threatens to close the business. XINSURANCE helps fill these gaps by providing custom insurance solutions to offer coverage that addresses product liability, accidents on premises, and other risks specific to firearms businesses.

How XINSURANCE Fills Coverage Gaps

Standard insurance policies often exclude firearm-related incidents, meaning gun owners and businesses are unprotected. This is one of the areas in which XINSURANCE excels—they identify the coverage gaps in existing policies and provide solutions to cover those high-risk areas.

For example, many homeowners policies won’t cover accidents involving firearms, and business policies might exclude product liability for gun shops. XINSURANCE works with clients to assess their needs, ensuring that all the bases are covered. This is particularly valuable for businesses whose previous insurers have dropped due to claims history or other issues. They offer solutions where others won’t.

Their TRU Umbrella solution is another example of how XINSURANCE fills gaps. It provides an extra layer of protection for high-risk situations, covering incidents that go beyond the limits of standard policies. This is especially important for businesses that face large-scale liability claims, ensuring that they have comprehensive protection.

Customer Experience and Support

PULLQUOTE

While everyone is looking for an algorithm or computer solution, I think we need to go old school and make it about relationships.”

— RICK J. LINDSEY, CEO

One of the standout features of XINSURANCE is its customer support. As a broker, they work closely with clients to find the right coverage and provide 24/7 claims assistance. While the insurer handles the claims themselves, XINSURANCE ensures clients have the support they need during the claims process. Several friends have tried to file claims with other companies and need help or get stuck dealing with a mess of bureaucracy.

XINSURANCE’s approach goes beyond just providing coverage solutions—they also offer risk management guidance. For businesses, this means helping reduce risk exposure through improved safety protocols and legal compliance. You can see some of this in the setup of WOFT’s facility. There are protective barriers in place to protect spectators during UTM scenarios. Training facilities have external visual indicators and guards at entry points to prevent people from wandering in without protective gear.

XINSURANCE’s proactive approach helps clients avoid incidents that could lead to claims, and they can also potentially lower their premiums by suggesting ways to mitigate risk.

Final Thoughts

Firearms ownership and operation come with inherent risks, but that doesn’t mean you have to face them alone. XINSURANCE provides custom insurance solutions that protect gun owners, firearms businesses, and professionals in the industry.

From personal liability to business protection and everything in between, including circus and ninja training facilities, XINSURANCE ensures that you have the right coverage in place, filling the critical gaps (you might not even know you have) left by traditional policies. They are not only about filling gaps and holes in insurance coverage but providing customized solutions tailored to the individual’s and/or business’ risks.

If you’re a gun owner, firearms instructor, or operate a business in the firearms industry, XINSURANCE offers the peace of mind you need to focus on what’s important—without worrying about what might happen if the worst occurs. Visit XINSURANCE’s website to learn more and get a personalized quote today.