The Benefits of Gun Liability Insurance

While legal gun ownership is a constitutional right, it bears a heavy responsibility and comes with a genuine risk. Purchasing a firearm can give a sense of safety, but sometimes unintended consequences occur, backfiring on those feelings of security. Each year, 500 people die from unintentional firearm injuries.  In 2021, there were at least 388 unintentional shootings by children, resulting in 154 deaths and 242 injuries. These injuries and deaths can be prevented by purchasing gun liability insurance at the time of buying a firearm. 

Purchasing gun insurance does not make guns any less dangerous just as buying car insurance doesn’t make cars any safer to drive. However, obtaining gun insurance does provide a domino effect to fewer deaths. Many accidental shootings caused by firearms could have been prevented if owners properly stored their guns. 

Insurance companies reward good practices by providing lower premiums which incentivizes owners to adjust their gun safety. Having gun insurance can persuade gun owners to behave in safer ways. Not using a gun safe or locker can triple the risk of death by suicide, which led to the need of suicide scene cleanup services.. A simple gun safe puts a barrier between thought and action, and can save lives. 31% of accidental deaths could be hindered by installing a childproof safety trigger lock and a loaded chamber indicator. 

Owning a firearm comes with much responsibility. Read in the infographic below to learn more about gun liability insurance.

Is gun liability insurance required?