Gunsmiths

What Does GL Code 95620 Cover?

ISO GL class code 95620 covers businesses engaged in the repair, modification, and custom manufacturing of firearms, including gunsmithing services for rifles, shotguns, and handguns. This code classifies operations that involve working directly with firearms, such as cleaning, bluing, stock repair, barrel fitting, and custom gun building. It encompasses the inherent risks associated with handling and altering weapons, as well as potential liabilities arising from faulty workmanship or accidental discharge.

Who Uses This Class Code?

This code applies to independent gunsmiths, firearm repair shops, custom gun manufacturers, and businesses offering specialized firearm modification services. It also includes FFL (Federal Firearms License) holders who primarily perform gunsmithing activities rather than retail sales.

Common GL Claims for This Class

Common claims include accidental discharge during repair or testing, injuries caused by a firearm malfunctioning due to faulty workmanship, and property damage resulting from an incident involving a repaired or modified weapon.

Coverage Tips for Code 95620

• Ensure your General Liability policy includes coverage for products-completed operations, as claims often arise from faulty workmanship after a firearm leaves your shop.
• Verify that your policy does not have exclusions for firearms or ammunition, especially if you handle or manufacture these items.
• Maintain meticulous records of all firearm transactions, repairs, and modifications to comply with ATF regulations and assist in claim defense.
• Consider a separate Commercial Property policy to cover your inventory of firearms, tools, and specialized equipment, as GL policies typically exclude these.