There are many reasons why you might choose to own a gun-protection, competition, hunting, collection – all are perfectly valid. Owning a gun can, however, come with a number of unforeseen accidents or injuries. You never know when you’ll be forced to use your firearm. Or, what if your firearm is stolen from you and used for criminal purposes? As the gun owner, you will be held responsible. To ensure that you are completely covered, XINSURANCE offers customized Firearms Liability Insurance, so that you may rest easy, knowing that you are protected.
Almost 200,000 people are injured as a result of firearms annually. Nearly 1,000 are killed as a result of a weapons mishap. Take, for instance, a case from 2014, where a nine-year-old with an Uzi gunned down her shooting instructor at a shooting range about an hour from Las Vegas. The instructor let the girl fire the Uzi on her own, and the recoil on the gun sent it straight in the air, subsequently hitting the instructor in the head with a bullet. He died later that night.
Two years later, in 2016, the family of the shooting instructor filed suit against the gun range, claiming, “The Uzi was not a safe or appropriate weapon to entrust to a 9-year-old girl like the Child Shooter, which caused her to lose control of the weapon when firing.”
“The Uzi was an inappropriate and unsafe weapon to entrust to a 9-year-old girl like the Child Shooter, thereby creating an unreasonably dangerous and unsafe environment for individuals in the area, including Charles J. Vacca, Jr.,” states the lawsuit.
Or take a case from 1995, where a sixteen-year-old boy stole a .44 magnum, traveled to Des Moines, Iowa, and killed two restaurant employees in front of customers. The boy went to jail, of course, but the gun owner got sued. A prior case, in 1994, ruled that a gun show promoter could be held liable for the use of a stolen weapon. He was ordered to pay $400,000 in that case.
By employing a team of underwriters, claims managers, policy services staff, and risk managers who identify gaps, exclusions within coverage, and are able to offer solutions for specialty insurance protection, XINSURANCE has constructed a flexible all-in-one approach to firearm liability insurance. We provide underwriting, risk management expertise, and a claims hotline. Our in-depth underwriting approach and engaging risk management discussions are engineered to best protect the insured.
Our partnership engenders mutual understanding between all vested stakeholders who work together to mitigate risk and fight frivolous claims and lawsuits. In our three decades of existence, XINSURANCE has developed an in-house team that will work ceaselessly to defend your interests and protect your financial and legal stability. Our coverage provides protection 24 hours a day, 7 days a week.
Whether it’s as a concerned citizen or a business, our insurance coverage will allow you to exercise your rights without risk of personal liability. We offer self-protection. Our insurance is here in case you need to use that firearm or if it is used without your consent or knowledge. We offer a second layer of defense, and with it, peace of mind.
XINSURANCE encompasses all 50 states, in which we offer over 700 different risk classes. We are here to keep you prepared for the unexpected, and we are committed to aiding you in any way we can. Reach out to us via our contact form on our site at XINSURANCE.com or give us a call at (877) 585-2853.