There are different insurance carriers in many different areas of the country.
Some are excellent, others are horrible! Just because you have a policy in your hands that says "INSURANCE" does NOT necessarily mean you'll be covered.
Many insurance companies are great at collecting money. But if something happens, some companies come up with excuses rather than coverage.
The Professional Gun Retailers Association and the National Association of Federally Licensed Firearms Dealers give its highest recommendation to the Joseph Chiarello Company; the best for any type of firearms industry related insurance.
The can provide insurance from gun ranges and safety instructors to major manufacturers and everything in between. They are not the cheapest, but they stand behind their clients.