Gun Stores Insurance Coverage Gaps

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Today we’re going to talk about your retail gun store and some coverages that may be missing from your policy. Coverages that you have not heard of and coverages you should be aware of before claim time. So whether you’re insured with State Farm Insurance, with Geico or Travelers or Liberty Mutual all those are great companies, however, you need to make sure that you have the right coverage selected prior to claim time.

I’ve seen unfortunate common trend, Approximately 50% of those policies that we looked at, that were not insured with us before, were missing business income coverage or business interruption coverage. So, if you were shut down for a covered cause a loss, if you are shut down because of a fire or a theft or lightning strike, and you had to be closed for two weeks or six months to rebuild and to fix your building back up, to get it ready to be open, your policy can provide you with missing income coverage. They take away certain expenses that you don’t have, but they provide you with all the missing revenue income that you would have if you were open.

Number 2 problem that we often, often see for gun stores, they don’t insure their inventories for the adequate amount. They may only insure their inventories for a hundred thousand when they have three hundred thousand dollars worth of guns, ammo, pistols on the property.

So let us get you the right deductible to keep that premium low, but let’s get the right coverage

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