Protecting your assets - instructor insurance

I have some questions for the group:

  1. If you’re an instructor, do you carry liability insurance for your classes? If so, does it include “professional liability” (not just protection from firearms-related litigation)? I’d like to hear how you determined what coverage to buy.

  2. If you’re teaching and have set up a small business to use for this purpose, how did you structure it? I.e., sole-proprietorship, LLC, etc. Why? Did you transfer your personal firearms used for training to the small business for an extra layer of protection?


Liability insurance is a wise idea, and may be required by ranges you teach through. I have both general liability and errors and omissions coverage for my engineering work. Before I teach I’ll add firearms instructor coverage.

We have an s-Corp and it already covers teaching activities, so it’ll go under there. Might set up a separate DBA for the company to use, something firearms or safety oriented.


Good info, Zee. Thanks.

As I’ve been reviewing various policies for instructor insurance, it gets complicated. You can find firearms instructor insurance. You can find non-firearms instructor insurance. You can find some that cover mixed instruction, but there are some severe caveats and exclusions. And then when you start a business, you have to consider insurance for that entity.

I’m hoping to get some time with an attorney soon, and I will be leveraging the info gleaned from responses here to inform my discussion. And I’ll share his answers!


Someone in my instructor training class suggested these folks:
Their prices sound comparable to what I pay for engineering consulting

BTW, attorney consultation is an excellent plan.


I have always had my instructor insurance through the NRA, I just renewed for $250.58 or one year. [
Bodily Injury & Property Damage Liability Each Occurrence Limit
Professional Liability Each Occurrence Limit
General Aggregate Limit
Products-Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
Fire Damage Limit
Medical Payments
$500,000 any one person or organization
$5,000 each occurrence any one person


I carried through the NRA for years until their underwriter became a problem just as I carried my personal firearms liability through them.

They made some choices I consider to be very anti 2nd Amendment as a company and that was the end of me giving them my money.

I now carry everything through OIG and USCCA for legal protection and liablity.


I just did another round of research on insurance, and I’ve signed up with OIG. Thanks for the recommendations! For those who don’t know, they pro-rate the cost from a 5/1 annual start date. In other words, annually from May 1 through April 30, it costs $375. For Oct 1 through April 30, it’s $225.19. However, if you purchase coverage in the final four months of the policy (Jan-Apr), your coverage is automatically extended for the coming year; i.e., $494.85 for January 1 through April 30 of the following year.