NFA Insurance
$5,000,000 for $4.75 per person per year
Coverage designed by the NFA for firearms owners.

As spring arrives, clubs and individuals start heading out to the shooting range. That raises the annual questions: Where do I buy liability insurance to cover my -- or my club's -- shooting activities? How do I get the most "bang for the buck"? If you are asking that question, you should know some FACTS about the NFA Liability Insurance [NFALI] program. It is a very good one, offering $5,000,000 coverage at VERY good rates. The "insurance year" runs from midnight Nov 30 to midnight Nov 30. NFALI costs $4.75 per person coverred per year, and is available to any member of the NFA -- in several ways.

Insurance bought AS A CLUB usually requires the club to affiliate with the organization offering the insurance. Therefore, the "total" cost is the cost per member of affiliating with that organization PLUS the cost of the insurance -- or, if the organization does not TELL you the cost of the insurance but "buries" it in a TOTAL fee per member, then THAT is the "total" cost. If a club buys its insurance WITHOUT affiliating with a larger organization that offers insurance, the club often pays MORE in "total" cost -- for insurance only -- than it would for NFALI plus affiliation with the NFA. A club can affiliate with the NFA (Cost: $3 per member per year) and buy NFALI to cover all its members, at a cost of $4.75 per member per year. TOTAL cost -- affiliation PLUS insurance -- is only $7.75 per person per year.

The NFA does NOT require a list of members covered. That is a significant economy. If 10 members quit or move away, and 12 join up,you only have to send in an extra 2 X $7.75 = $15.50 to cover your 12 new members. The other 10 memberships "transfer" automatically. Does your club hold shoots, or have guests, or let in one-day-only "temporary" members who are just there to sight in? NFALI covers them all - -- at a cost of $1 per person covered -- for the day, or for the duration of the shoot (up to 14 days). That has a side effect -- collecting $1 each time the person shows up as a "guest" or "occasional shooter" often persuades that "freeloading" person to JOIN the club.

Similarly, an individual can take out a membership as an individual, and the "total" cost is then the cost of membership PLUS the cost of the insurance - -- or, if the organization does not TELL you the cost of the insurance but "buries" it in a TOTAL fee per member, then THAT is the "total" cost. An NFA "regular" membership costs $30 per year. Add $4.75 for the insurance, and the TOTAL cost is $34.75 per year. An NFA "family" membership costs $40 per year. Add 3 X $4.75 to insure you, your wife and your son, and the TOTAL cost is $54.25 per year. An NFA "business" membership costs $50 per year. Add 4 X $4.75 per year to insure you, and three of your employees, and the TOTAL cost is $69 per year.

So -- WHAT does that $5,000,000 coverage actually COVER you for? When you buy your insurance from the NFA, you get a COMPLETE COPY OF THE INSURANCE POLICY. What you SEE is what you get -- so you always know EXACTLY what your coverage is, and HOW IT WORKS. We think it is that important to TELL you EXACTLY what you are buying. NFALI covers you for $5,000,000 for each incident. It covers the club for ALL of the club's activities -- including dances. If an individual has other insurance, it adds $5,000,000 coverage ON TOP of any other insurance coverage, or gives $5,000,000 coverage where there is NO other insurance. NFALI covers every insured person -- whether insured through the club, or directly as an NFA regular, family or business member -- for all hunting, archery on a range, and fishing. The coverage is THERE when the accident happened in Canada -- or the continental US. If insured through a club, the insured person is covered when shooting at the home range or when shooting at any other range if the club sanctions that shooting. If insured directly, the insured person is covered when shooting at ANY target range.

Club coverage includes $100,000 coverage for damage to rented premises caused by negligence -- such as fire damage caused by a cigarette after the annual dance, and includes $2,000,000 coverage for damage caused by wrongful, though not criminal acts by its Directors or Executive, includes coverage of volunteers and employees. It offers FREE coverage of a co-insured -- such as the range owner.

Please note that the ENTIRE $4.75 per person goes to the insurer. The NFA gets NO percentage of that, and NO kickbacks. Because we do it that way, the insurance fee is NOT TAXABLE, and you pay NO GST on it -- OR on your NFA membership fees.