Smawgunner
Inactive
Taken from another thread...I have talked to a few business owners who do not allow CCW in their buildings ONLY because of their insurance rates. As a CCW holder, what can we do to combat this?!?
Allen
Allen
CCW and Insurance
- Thread starter Smawgunner
- Start date
Same line of thought, different insurance issue. When renewing / upgrading my home owners insurance the agent asked about firearms. I hesitated but said yes I had firearms. He was pretty anxious and said I might need to look at another company as they are being advised from the "home office" that they should not renew or sell to gun owners. (Allstate) Then he asked if I had any firearms training and I said I was an NRA certified safety instructor. He immediately wrote the policy without another word about it. 
All I could think of was me having to sell everything before I could get insured.
I hope this isn't a trend.
All I could think of was me having to sell everything before I could get insured.
I hope this isn't a trend.
snacktrack
New member
When applying for my CDW permit,When I listed my references, my firearms instructor really wanted my boss to be on board because where I work there are alot of unsavory characters. But if I listed him as a reference I would need a letter from him stating its ok to carry on the property etc. So, I decided to not use him as a reference, even though I believe I could convince him its a good idea, I didnt want to decision of whethere they would issue one to me or not up to my boss. I decided that its a dont ask and i wont tell kinda thing.
What business is it of any insurance company that you have firearms anyway? What a bunch of crooks. Did they ask if you have knives or hammers? I dont see why a company wouldnt insure you. What did they say was the reason? Now are we talking homeowners insurance, or life insurance?
What business is it of any insurance company that you have firearms anyway? What a bunch of crooks. Did they ask if you have knives or hammers? I dont see why a company wouldnt insure you. What did they say was the reason? Now are we talking homeowners insurance, or life insurance?
Sir William
New member
A friend has large plate glass windows for display purposes. His insurance carries a heavy tariff rider due to the square inch measurement of the display windows. Trust me, insurance companies do worry that a business will have a shootout and homeowners will have firearms stolen. They demand handrails for more than two steps or they cancel your homeowners.
Folks, the insurance game is like any other business. IF you get cr@p from one company, SWITCH TO ANOTHER. There is ALWAYS another insurance agent from a different company that could care less.
My insurance agent of more than twenty years ONLY asked about firearms, knowing I was a gunsmith. Her question? "Do you need a rider to cover MORE than $5k worth of firearms?" At the time she asked, the answer was yes. I have since sold the majority of firearms.
The same holds true for autos, motorcycles, motorhomes, etc. You don't like the answer you get, go to another company. When my insurance agent told me her company was 'getting out of ' insuring motorcycles (especially Harleys), I went to the net and found a company that was HAPPY to sell me better coverage at less money than I had been paying to my regular insurance company for years. I saved about eighty dollars a year. Doesn't sound like much, but my bill dropped from $375 to $295 a year.
We use the extra money to go out to eat a little more often each month.
My insurance agent of more than twenty years ONLY asked about firearms, knowing I was a gunsmith. Her question? "Do you need a rider to cover MORE than $5k worth of firearms?" At the time she asked, the answer was yes. I have since sold the majority of firearms.
The same holds true for autos, motorcycles, motorhomes, etc. You don't like the answer you get, go to another company. When my insurance agent told me her company was 'getting out of ' insuring motorcycles (especially Harleys), I went to the net and found a company that was HAPPY to sell me better coverage at less money than I had been paying to my regular insurance company for years. I saved about eighty dollars a year. Doesn't sound like much, but my bill dropped from $375 to $295 a year.
We use the extra money to go out to eat a little more often each month.
XavierBreath
New member
Getting back to the original question, I'm pretty sure that is used as an excuse by the business owner. I'm not in the business of insurance, but I can't see an insurance company dictating to a client who may come in their business. Even if they do this, apparently there are many insurance companies that do not, and perhaps the store owner needs to change companies and keep your patronage. If they buy cheap insurance like that, they lose customers. They should buy less restrictive insurance to help their business grow. It's an excuse, nothing more. Call them on it.
Counter by saying "My life insurance company requires that I be armed at all times."
Counter by saying "My life insurance company requires that I be armed at all times."