Below are a list of Frequently Asked Questions:
What is the Firearms Trainers Association (FTA)?
The Firearms Trainers Association (FTA) is an organization founded by five of the most well respected and distinguished professional firearms trainers in the world. FTA has established for its members the only stable insurance in the firearms industry available to trainers without a mandate to train under one system. This insurance is not subject to political changes, protest or tragic event. It exists for the purpose of protecting the interests of its firearms associations. This comprehensive suite of insurance services is provided for firearms trainers working in the industry.
Who are the Founders of the FTA? What is the Founding board?
The “Founders Board” (Ken Hackathorn, Larry Vickers, Jeff Gonzales, Dave Spaulding and Scott Reidy) worked with 2A Association Management and Executive Director Kyle Sweet, to create an organization that provides proper insurance coverage for firearms instructors (Professional liability, Property and Casualty). The “Founders Board” all have decades of training experience in military and law enforcement and has dedicated their professional lives to training all levels of civilians. The Founding Board Members shall with the Executive Director of FTA in the administration and management of the organization and its services and terms of membership.
What is a Covered Member?
“Covered Member” means a Firearms Instructor or Trainer who is a member is in good standing with FTA at the time of the “Recognized Professional Liability Incident” and whose requisite information has been included in the reporting you are required to provide the Company in accordance with this policy.
What is an Auxiliary Member?
Auxiliary Members are those who want to support the mission to create standards for training but are not trainers and shall not be covered by insurance. “Auxiliary Members” will have access to all content and information of all levels of membership.
What does “Occurrence” mean?
“Occurrence” simply means a “Recognized Professional Liability Incident.”
What is a Recognized Professional Liability Incident?
A “Recognized Professional Liability Incident” is an incident occurring by a certified or licensed firearms trainer or instructor during individual instruction, a class or a course in which there is “bodily injury” or “property damage” covered by this policy but not covered by any other valid and collectible insurance. There is a client or student bringing forth a civil suit against the Covered Member as result of the instruction or training.
What is a COC? When do I get my certificate?
A COC is a “Certificate of Coverage” required to prove a firearms trainer has liability coverage to cover his/her instruction and training. Certificates of Coverage are available to all “Covered Members” when required for conducting classes or upon request (through email@example.com).
What type of protection does the FTA provide? What comes with the membership?
The membership comes with this insurance backed protection: Commercial General Liability with a Professional Liability endorsement. This policy will cover general liability (claims such as slip and falls, damage to property, etc.). The membership comes with this insurance backed protection: Commercial General Liability with a Professional Liability endorsement (This will cover general liability claims such as slip and falls, damage to property, etc.).
What is the purpose of the FTA?
The purpose of FTA is also to protect the profession of firearms training through safety and risk management standards, business development services, and curriculum certification. The FTA Firearms Trainers will provide content that has been vetted, is reliable and trustworthy in addition to being tactically sound. FTA will serve as the industry leader in providing professional development to trainers through resources, networking, marketing assistance (including joint marketing initiatives), web content consulting, video safety briefings from Board Members, and legal forms for Waivers of Liability, and other business related forms as well as use of the FTA logo in marketing and training materials.
To be a member of FTA do you have to be a member of any other legal service provider or be a member of a specific organization (NRA, FOP, etc.)?
No. The FTA is eager to welcome you to its membership community without inviting divisiveness, and celebrating the opportunity to provide you the services outlined in this Terms of Service Agreement and plan descriptions to include liability insurance that does not require you to teach certain certified courses.
What are the requirements to be a “Covered Member”?
You must hold a valid instructor certification or license through any state certified program or FTA recognized national certification program (such as NRA Certified Instructors or Self-defense Safety Act Instructors), or are a qualified trainer under and recognized LAW Enforcement Training (POST, CLEET, etc.), or are qualified by the state or nationally to conduct Tactics & firearms training classes or “Train the Trainer” courses either during indoor or outdoor classes/ranges.
Can I join FTA if I am a convicted Felon?
No. All “Covered Members” must agree to these Terms of Service, acknowledge that the Covered Member is not prohibited to be in possession of a firearm.
What would disqualify me from being covered or becoming a member of FTA?
You cannot be prohibited persons; to be a covered member you must be a state certified firearms instructor. An Auxiliary Member does not need to be a firearms instructor. Other issues that would disqualify you is any misrepresentations, omissions, or other inaccuracies, of any kind, in the information disclosed to FTA through the application process, including, but not limited to, information regarding the existence or status of Covered Member’s state concealed weapon permit, certifications, licenses, status as a firearms instructor, eligibility to legally possess a firearm, or any other false information may result in termination or forfeiture of membership.
What insurance provider backs FTA? How am I covered by Insurance?
Insurance is provided to the “Covered Member” through FTA by 2A Insurance, a Captive Insurance company reinsured through Port Royal Captive Re-Insurance.
What types of claims are covered?
Professional liability endorsement covers property damage and personal injury arising from Professional Liability. This covers claims of negligence associated with negligent training, violations of standards, injury to students, bystanders, other students or instructors, negligent retention and hiring.
Does my membership cover other instructors that work under me?
No. Each trainer must have his or her own membership. Your membership does not cover those other instructors working with or under you).
What is the cost of the memberships?
All subscriptions for “Covered Members” (full-time and part-time instructors) are priced at $400 a year. All subscriptions for “Auxiliary Members” are priced at $100 for those who join prior to September 15th, 2018 and priced at $150 a year for those who join after.
What does the FTA insurance cover me against?
The FTA will pay all the reasonable costs to defend Covered Member against civil suits, and civil liability claims.
Does the coverage extend to incidents that happen before I join?
No. Member services apply only to a Recognized Professional Liability Claim that occurs during the one-year policy period. A “Policy Period” means a twelve (12) month period that begins with the coverage inception date for a Covered Member and continues for each twelve (12) month period thereafter. That occurs in a location that honors the Covered Member’s permit, license or certification for legally licensed firearms. That is not in violation of any restriction or exclusion of these terms of service. A claim that follows range rules, mandated FTA waivers and mandated safety briefings.
Does the coverage extend to Puerto Rico or any U.S. Territories?
No. Member services apply only to a Recognized Professional Liability Claim that occurs in a place that is considered “Policy Territory.” “Policy Territory” means the United States of America, and its fifty (50) recognized states (does not include US territories and possessions, US Virgin Islands, or Puerto Rico). That occurs in a location that honors the Covered Member’s permit, license or certification for legally licensed firearms. That is not in violation of any restriction or exclusion of these terms of service. A claim that follows range rules, mandated FTA waivers and mandated safety briefings.
Which types of courses does the FTA Insurance cover?
FTA will provide services in connection with civil defense and civil liability claims, related to Recognized Professional Liability Incident, which include proceedings related to: Basic, Intermediate or Advanced Pistol/Shooting Classes; Gun Safety Classes & Certification Classes; Concealed Carry & CCW Certification Classes; Classes on Tactical Movements and Tactics with Firearms; Classes for Firearms Self-Defense & Malfunction Drills; Basic, Intermediate or Advanced Carbine Classes; Use of “Simunitions” or “Live” rounds for the purpose of training Individual Instruction and Schools/Courses; All Legal Rifles and Shotgun Classes; and there are no Requirement to be certified by one specific course to have coverage.
Does FTA Insurance cover Accidental Discharges?
ALL ACCIDENTAL DISCHARGES: FTA will provide the services or coverage if the incident is unintentional and considered an “Accidental Discharge”. This includes the unintentional use of any other legal weapon or force.
Is FTA an insurance company?
No. Insurance is provided to the “Covered Member” through FTA by 2A Insurance, a Captive Insurance company reinsured through Port Royal Captive Re-Insurance. The “Covered Member” upon joining also acknowledges that this is not an insurance product. Covered Member understands that this is a services agreement, therefore, any monetary judgments or fines rendered against a Covered Member, who does not have a plan that includes civil liability coverage (Auxiliary Member), is the responsibility of the member. If a Covered Member has a civil liability coverage plan, only then will the Covered Member be covered for up to $1,000,000 if not outside of coverage restrictions
How much am I covered for and does my defense take away from my 1,000,000 in coverage?
Civil liability coverage stemming from an incident or claim offers coverage of $1,000,000 per incident or each claim, and $1,000,000 in the aggregate. Litigation fees and expenses are separate from the $1,000,000 liability coverage. For example, the fees and costs of litigation do not consume your $1,000,000 in civil damages protection.
Would I be considered the “Insured” under this policy?
No. The named insured is “Firearms Trainers Association (FTA) – through 2A Insurance Company.
What is 2A Insurance?
2A INSURANCE is a segregated account of MADISON FIRST PROPERTY AND CASUALTY, LTD SAC, a Segregated Accounts Company registered under the Segregated Accounts Companies Act of 2004. This transaction, which is the subject of this document, relates to segregated account 2A INSURANCE.
Are there any prerequisites, required forms or actions I must perform as an instructor prior to receiving services for a claim?
It is mandatory for each student to sign the FTA Release and Waiver of Liability forms. Failure to use and maintain this form for each student shall result in denial of coverage for that student and that class. Forms are available for download from website at www.FTAProtect.com. Parents or guardians of minors should sign an indemnity agreement form. There should be a mandatory Safety Briefing prior to the start each class. Abbreviated Safety Briefing is allowed for subsequent days of same class. It is encouraged to present classroom or Range Rules presented prior to instruction or training.
Does the name of the range where I teach my classes go on the COI?
Yes. For “RANGE ENDORSEMENT” the Ranges where the classes take place will be listed on any “Certificate of Insurance” (COI) requested by the Student. This coverage will extend indemnification to the range for the direct negligence of member that causes any personal injury or property damage stemming from a class, or claims brought against ranges for ostensible agency or vicarious liability. In any such instance, FTA will reserve the right under indemnification to assume the defense of range and provide counsel.
What if I have another insurance product in addition to FTA Insurance?
If a Covered Member has another insurance product, FTA, upon notification by the Covered Member, will respond and begin services. If the Covered Member has any plans, policies, or memberships that offer any financial assistance covering a training incident or claim, FTA will work with the Covered Member to obtain any applicable financial assistance in connection with their incident or claim. If there are conflicting terms between these terms contained herein and other policies or other insurance membership plans, FTA will attempt to negotiate resolution of such conflict in the best interest of the Covered Member. In the event of an Incident or claim, FTA will work with the Covered Member to determine any and all polices of coverage or insurance plans that may be utilized for the Covered Member’s benefit. Covered Member agrees to transfer any subrogation rights or interests from any employer, agent, agency, or policy to FTA.
Can I transfer my policy over to a family member or does it go to the estate upon my death?
No. Your rights and duties under this policy may not be transferred.
What are the exclusions?
The following are exclusions or may make you ineligible for coverage: Training where primary instruction is non-firearms related (martial arts, driving skills, etc.), Instruction in explosives, IEDs, or similar devices (only with advanced notice and permission from FTA prior to coverage), Any account permitting alcohol to be consumed prior to or during activities, Failure to obtain proper permits and licensing, Exclusion for Professional Liability claims if not licensed and certified to teach and train the use of Firearms, “Advertising Injury” is not covered (see definitions), Protection only extends to the professional realm. No coverage for defensive shootings, in home personal training such as dry fire (dry fire cards, practicing drawing from holster, re-holstering, etc.), Drug exclusion: Consuming any non-prescription medication that alters judgment, consciousness, or focus may result in voiding of coverage, Alcohol exclusion: Any alcohol consumed at or during class will void coverage and the failure to use the mandatory FTA Waiver or hold a mandatory Safety Briefing.
Will I still be covered if under the influence of a controlled substance or alcohol?
The FTA has a strict policy on SUBSTANCES THAT ALTER JUDGMENT: FTA will not provide the services or coverage if, at the time of training or claims incident, you are impaired in public or private property, by the use of alcohol, or controlled substances, or prescribed medication that alters judgment, or in any location you are in violation of state law or regulation concerning alcohol and drug use while in the possession of a firearm. This restriction is specific to any public place or private property during any training, class or course. Drug exclusion: Consuming any non-prescription medication that alters judgment, consciousness, or focus may result in voiding of coverage, Alcohol exclusion: Any alcohol consumed at or during class will void coverage
Are there any disqualifiers of service if I fail to keep my instructor credentials valid?
FTA will not provide the services or coverage if the “Covered Member” no longer holds a valid training and instruction certification, state license or any other state disqualification to be a professional firearms instructor. This might include concealed weapons permit or a failure to provide and maintain accurate and truthful information on any FTA application, become subject to a condition which would preclude or disqualify you from legally possessing a firearm, has presented training so dangerous that it is not aligned with FTA training standards following “Founders Board” review, or are otherwise no longer in good standing with FTA.
What is the policy for receiving a refund?
Upon written notice by Covered Member to FTA, FTA can refund the membership in full in the first 30-days. After 30-days, and upon written notice by Covered Member to FTA, the membership will be refunded at a prorated rate of the unused portion of the membership.
Does FTA cover any on-duty incidents for military, law enforcement or security guards?
FTA will not provide coverage or services for any on-duty or extra-duty incidents for law enforcement, military personnel or security personnel that is not associated with a private firearms training class or course. This includes incidents by persons who work as, but not limited to, police officers, private investigators, correction officers, security guards, security forces, church security teams, bond agents, private investigators or military personnel, whether paid or volunteer. On-duty coverage shall be covered by the employing agency or the organization that the individual is working or volunteering. This includes all those hired to protect a location, individual or group, personal property and any other similar services. FTA does not take the place of the employer or organization, which has a duty to defend the actions of its employee/agent officer.
What if there is a question about it being a covered incident? Am I just dropped from coverage immediately?
No. If the training and reported incident is found to be outside the course and scope of co, then 2A Association Management shall present to the FTA Claims Committee for review and determination if outside counsel would perform a coverage analysis to determine what coverage, if any, applies. FTA will not provide the services for a “Covered Member” in violation of any exclusion of these terms or restriction written in a plan description.
If I have a dispute of a denied coverage claim can I have a hearing in my home state?
Upon any dispute, claim, or controversy, of any kind, arising out of these Terms of Service, Covered Member acknowledges and agrees that any such dispute will first be submitted for resolution through mediation. If mediation is unsuccessful, however, the dispute, claim, or controversy shall be resolved through binding arbitration to occur in Oklahoma City, Oklahoma and administered according to the Commercial Arbitration Rules of the American Arbitration Association and applying the laws of the State of Oklahoma.
Does FTA mail out my policy agreement?
No. Covered Member agrees to receive any notice related to these Terms of Service by electronic mail. Covered Member agrees that any notice related to these Terms of Service shall be valid upon transmission of the notice by FTA to Covered Member by electronic mail. Covered Member agrees to maintain a current email address with FTA for purposes of receiving notifications.
Does the FTA lock in my price for membership?
Although the prices are set and there is no plan to increase prices in the future the FTA reserves the right to increase membership rates for recurring memberships. You are however guaranteed that your rate will not increase during the year of that membership.
What is an “Advertising injury”?
“Advertising Injury” means injury arising out of one or more of the following offenses: Oral or written publication of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products or services; Oral or written publication of material that violates a person’s right of privacy; misappropriation of advertising ideas or style of doing business; or infringement of copyright, title or slogan.
What does “Damages” mean?
“Damages” means the total sum which the Covered Member becomes legally obligated to pay as damages, whether by reason of adjudication or settlement, because of “bodily injury” or “property damage” covered by this policy but not covered by any other valid and collectible insurance, and shall not include expenses incurred by The Company in the investigation, negotiation, settlement, and defense of any claim or suit seeking such damages.
What does “Suit” mean in my policy?
“Suit” means a civil proceeding in which damages because of “bodily injury”, “property damage”, “personal injury” or “advertising injury” to which this insurance applies are alleged. “Suit” includes an arbitration proceeding in which such damages are claimed and to which the insured must submit with our consent; or any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent.
How is “Property Damage” defined in my policy?
“Property Damage” means physical injury to or destruction of tangible property during the Policy Period, including loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it. Property damage includes damage to structures, vehicles, equipment, or the personal property of anyone whose damage occurred from the professional negligence of member or student under his/her control.
How is a “Wrongful Act” defined in my policy?
A “Wrongful Act” means any negligent act, error, misstatement, misleading statement or omission in the performing, or failing to perform services, as a “firearms instructor”.
What is the Cancellation Policy?
Coverage for the named “Covered Member” or “Auxiliary Member” under the policy will automatically terminate upon cancellation or non-renewal of membership FTA or, the failure to maintain such membership in good standing. You may cancel membership upon written notice to FTA and recei