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Gun shops getting insurance canceled

swd

swd

Silver $$ Contributor
I just talked to a good friend with a gunsmithing shop in Carson City NV. His shop is in a medium size industrial complex with maybe 30-40 unites. The landlord just showed him a notice that the entire industrial complex is being dropped by Farmers insurance because the landlord leases to a gun shop. Apparently there have been at least 2 other gun shops in the Carson area that have had the same thing happen. He’s looking into if Farmers also insured those properties. I don’t know if this is a Farmers thing or the beginning of a bigger back door attack by the anti gun establishment.

Edit, I just talked with Tim Macy of Gun Owners America and they will be getting involved!
 
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Well that might be a blessing in disguise. Farmers is an overpriced insurance outfit with other issues looking from the consumer side. I used them and our extended family used them for many years but an incident came up and we were all exposed to the light of that company. We all found better service at much lower prices elsewhere. I sure hope they find the same.
 
Nothing new.
My club has been dropped a few times in the past 20+ years, because it’s a gunclub.
I think there are clubs/organizations out there that when it comes down to it are not covered. Depends on wording until they find out what they are covering. Oh, they are more than happy to take your money though.
 
JSH said:
Nothing new.
My club has been dropped a few times in the past 20+ years, because it’s a gunclub.
I think there are clubs/organizations out there that when it comes down to it are not covered. Depends on wording until they find out what they are covering. Oh, they are more than happy to take your money though.
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He has his own insurance on for the shop through the NRA provider that is still good, it’s the landlords provider that dropped the entire complex naming him as the reason. And he has never had claim in 30+ years in business.
 
I always compare rates every time I'm up for a renewal. Farmer's and American Family have never been considered by myself simply because of their pricing.

That's for an individual. I never needed to look for commercial/business insurance.
 
swd said:
I just talked to a good friend with a gunsmithing shop in Carson City NV. His shop is in a medium size industrial complex with maybe 30-40 unites. The landlord just showed him a notice that the entire industrial complex is being dropped by Farmers insurance because the landlord leases to a gun shop. Apparently there have been at least 2 other gun shops in the Carson area that have had the same thing happen. He’s looking into if Farmers also insured those properties. I don’t know if this is a Farmers thing or the beginning of a bigger back door attack by the anti gun establishment.

Edit, I just talked with Tim Macy of Gun Owners America and they will be getting involved!
Click to expand...
Another good reason to support GOA.
 
It would seem to me that if whatever your doing is legal, as in a product or service, you should have access to any insurance that's available. If an insurance company picks and chooses who they will insure based on ideology, then they should lose their license in the State or States they operate in.

I remember LTL carriers, back in the day, being required to deliver to every Podunk town in Ohio. It was part of their licensing agreement with the State. Or so I was told.

It is time gun owners and affiliated organizations start going on the offensive. Whether it be insurance, credit care companies, parcel post, banks or whatever when they restrict legal rights. It seems we react to legislation instead of shaping it. This needs to change or where does it end?
 
swd said:
He’s only does gunsmithing, no sales other there than parts that go into builds and repairs.
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As I said, it's probably their excuse. Insurance companies will make up all kinds of stupid things to get out of covering stuff and if anti-gun is their agenda companies will do the same. I know someone that had barns get destroyed in a storm and their insurance company was denying paying for one because livestock went into that building. Go figure, it's a barn. After that we checked with our insurance at Farm Bureau to make sure our barns were covered for what was in them and their use.
 
Xerothermic said:
It would seem to me that if whatever your doing is legal, as in a product or service, you should have access to any insurance that's available. If an insurance company picks and chooses who they will insure based on ideology, then they should lose their license in the State or States they operate in.

I remember LTL carriers, back in the day, being required to deliver to every Podunk town in Ohio. It was part of their licensing agreement with the State. Or so I was told.

It is time gun owners and affiliated organizations start going on the offensive. Whether it be insurance, credit care companies, parcel post, banks or whatever when they restrict legal rights. It seems we react to legislation instead of shaping it. This needs to change or where does it end?
Click to expand...
I'm just as upset as you, but I also believe in a free market. What you've said is equivalent to making someone bake a cake for a same sex couple. The insurance company is providing a service. Just like the baker. They should be able to pick and choose who they serve. if it does not align with ideologies then they should have the right not to serve them. The free market provides for all. In that same instance, if enough people got upset that a company didnt provide a certain person a service, everyone would stop using them, and once again the free market would provide, and weed out what was not working.

That being said, if someone is pulling the strings to make this happen, then that is completely different.
 
Kevin1990 said:
I'm just as upset as you, but I also believe in a free market. What you've said is equivalent to making someone bake a cake for a same sex couple. The insurance company is providing a service. Just like the baker. They should be able to pick and choose who they serve. if it does not align with ideologies then they should have the right not to serve them. The free market provides for all. In that same instance, if enough people got upset that a company didnt provide a certain person a service, everyone would stop using them, and once again the free market would provide, and weed out what was not working.

That being said, if someone is pulling the strings to make this happen, then that is completely different.
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You make an excellent point.

Can't have it both ways.
 
Xerothermic said:
It would seem to me that if whatever your doing is legal, as in a product or service, you should have access to any insurance that's available. If an insurance company picks and chooses who they will insure based on ideology, then they should lose their license in the State
Click to expand...
No different than a bakery choosing not to sell cakes for same-sex marriages. As a business owner myself I suppose I'm biased, but freedom cuts both ways.
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