Specialty insurance for firearms, defense & mission technology
Specialty coverage for FFLs, ammunition manufacturers, defense contractors and mission technology, placed by people who know the work.
Manufacturers, dealers and ranges
Ammo, components and energetics
Airframes, payloads, EW and C-UAS
Primes, sub-tier suppliers and OCONUS
Mission software, autonomy and cyber
SATCOM, radios, PTT and RF
SubmissionGroup 2 UAS manufacturer
Terms ready for review
Licensed in all 50 states 20+ specialty markets
Specialized insurance programs for firearms, tactical and defense enterprises placed through partnerships with experienced niche markets.
Every program comes with full transparency into the factors that determine your pricing.
Why Clandestine
Most agencies, and the insurance markets they work with, have limited understanding of the firearms and defense industries. We know how these businesses are built, operated, sold and contracted, and how to accurately present your operations to the insurance marketplace. That specialized knowledge is what translates to the best coverage at the most competitive price for our clients.
A 30-minute discovery call allows us to develop a detailed understanding of your operations, including your products, distribution, contracts and end users. This forms the foundation for an insurance program tailored to your business, risk tolerance and contractual requirements.
We prepare a comprehensive submission that details your exposures, risk tolerance and industrial hygiene practices. The result is an accurate, thorough portrayal of your operations that underwriters can confidently price.
We use our established market relationships to strategically place your submission with underwriters who are eager to earn your business, turning a well-built submission into real leverage in the insurance marketplace.
Thoroughness on the front end and superior market access work together to deliver an insurance program built precisely for your business, with coverage that fits and pricing that competes.
Where we specialize
Each division has its own page, its own language and advisors who know how that business is built, contracted and rated, from FFL / SOT manufacturing and ammunition plants to airframes and payloads.
View all sectors
FFL insurance for firearms manufacturers, dealers, importers, gunsmiths and ranges, with products and premises rated separately.
Explore this sector : FFL & Firearms
Insurance for ammunition and explosives manufacturers, component makers and remanufacturers, with energetic materials and finished goods scheduled properly.
Explore this sector : Ammunition & Explosives Manufacturing
UAV and UAS OEMs, counter-UAS and electronic-warfare developers, payload and EO/IR sensor makers, and flight-test operators.
Explore this sector : Unmanned Systems & Counter-UAS
Defense primes, sub-tier manufacturers and OCONUS service providers working to FAR, DFARS and prime flow-down insurance requirements.
Explore this sector : Defense & Government Contractors
Mission software, autonomy and cyber firms that need technology E&O and cyber coverage written to CMMC and contract requirements.
Explore this sector : Defense Software & Cyber
SATCOM, radio and push-to-talk manufacturers, tactical headset and hearing protection makers, network integrators and space-segment suppliers.
Explore this sector : Communications & SpaceWhat we cover
Premises and products rated separately, inventory scheduled by category, excess written alongside the primary, not bolted on.
Contract compliance
Government and prime contracts set the insurance terms: FAR Part 28 requirements, DFARS clauses and prime flow-downs. Send us the insurance section and we build the program around it, before you’re asked for the certificate.
Contract insurance review
Prime subcontract insurance requirements
Our approach
Our active involvement in the firearms, tactical and defense industries gives us insight most insurance professionals simply don’t have. We apply that knowledge to bridge the gap between your operations and the insurance marketplace, delivering superior results for our clients.
From the first conversation through binding and every renewal thereafter, our commitment to you never changes.
Request a Risk ReviewWe take the time to understand your operations, including what you manufacture or sell, who your customers are, where you operate and what your contracts require.
Our philosophy is simple: identify your risks, then transfer them, either to an insurance policy or to a third party through contracts and waivers. Our role is to help you clearly understand those risks and the coverage required to protect against them.
We then prepare a branded market submission that presents your business to underwriters with clarity and precision. Each submission includes a detailed narrative of your operations, products, customers and contracts, along with your industrial hygiene, safety and quality control practices. Supporting documentation, such as loss history, financials, licensing and regulatory credentials, and relevant contracts, is organized and included so underwriters have everything needed to evaluate your risk.
We use our established market relationships to strategically place your submissions with underwriters who are eager to earn your business.
You see the quotes side by side: what each covers, what it excludes and what moved the price.
Nothing is bound until you approve it. After that, we stay in your corner for certificates, claims and renewals.
Before Brent, we were underinsured and paying far too much. With his help, we’re now fully covered, added cyber insurance, and still saved $20K in premium.
Individual results vary. Terms and savings depend on your operations, loss history, underwriting and the market at the time.
Partners
Companies across payments, compliance and ecommerce that help the firearms industry do business.
All partnersPayment processing and financing for the shooting, hunting, outdoor and tactical industries, with FFL validation, age verification and state-by-state compliance built in.
Visit site: ShotPay (opens in a new tab)Software for firearm retailers, manufacturers and distributors. Its tools add FFL dealer selection at checkout, automate post-order transfers and keep a dealer directory synced with ATF eZ Check.
Visit site: Master FFL (opens in a new tab)An ecommerce platform for building and running online stores, from design and checkout to payments, inventory and shipping. It integrates with firearms-industry tools including ShotPay and Master FFL.
Visit site: BigCommerce (opens in a new tab)A 2A industry-focused ecommerce agency that builds and integrates online stores on BigCommerce, Shopify, Magento, Shopware and other platforms, including FFL and NFA compliance work.
Visit site: Smart Solutions (opens in a new tab)Common questions
Don’t see yours? Call (970) 580-8067 and talk to the agency principal directly.
Yes. Send us the insurance section of the contract and we build the program around it: limits, additional insured status, waivers of subrogation. Far better to start there than to find a gap the day your customer asks for a certificate.
Yes. A non-renewal usually means the last market stopped writing the class, not that the risk can’t be placed. We rate the submission on what you actually do and take it to the 20+ specialty markets that still write it.
A broker, not a carrier. We work for you, take your submission to the specialty markets that fit, and explain which carrier, what it costs and what moved the price.
Yes. We’re Montana-based and licensed in all 50 states.
A call or an email. Tell us about the operation (contracts, production, test, distribution) and send the insurance section of any contract you’re working to. We’ll ask for anything else we need.
Request a Risk Review
No obligation, and nothing is bound until you approve it. Prefer to talk? Call (970) 580-8067.
Thanks. Your request is in. A licensed advisor will be in touch within one business day.
Something went wrong sending your request. Please try again or call (970) 580-8067.