Commercial General Liability Insurance

Every business needs general liability, but more so gun shops that sell or distribute firearms. While guns and ammunition are heavily secured in gun shops, you can never be too sure that something won’t go wrong.

A commercial general liability or CGL is a type of insurance policy that covers the costs of your legal defense and damages for non-professional negligent acts.

If a customer or employee gets hurt in your gun shop or because of the products you sell, you will be held liable for injuries and damages. This could put you or your business under extreme financial duress.

With the following CGL policy options, you can protect your business from financial loss:

• Professional liability
• Products and completed operations coverage
• Third party medical expense
• Damage to rented locations
• Personal and advertising liability
• Liquor legal liability
• Excess limits are available

This policy’s primary limit is $1,000,000 per occurrence with a $2,000,000 aggregate.

Contact Joseph Chiarello & Co., Inc. to discuss your CGL policy needs today.

Why Your Business Needs a CGL Policy

When you’re handling potentially dangerous weapons all day, it’s better to be safe than sorry. A CGL policy is exactly what you need to achieve this.

1. You’re financially protected against the unexpected: Customers and staff can be a victim of a gun accident in your shop. Without a CGL policy, those involved could drive you to bankruptcy if they file a claim against you.
2. You increase your business’ trustworthiness: Getting insured shows that your business is responsible and trustworthy.
3. It can give you peace of mind: When you know your business is covered, you can focus on growing it instead.

Why Choose Us?

Joseph Chiarello & Co., Inc. has been serving the industry for over 40 years. The past four decades have given us the insights and capabilities to create reliable solutions that meet your insurance needs.

With our insurance programs underwritten by the best carriers globally, we have established ourselves as one of the most trustworthy gun insurance companies in the industry. The coverage this provides is written on admitted policies, which are protected by the insurance department of the state where they were drawn up.

This method provides your firearms business its much-needed long-term security.