Professionally, I am a Commercial Property and Casualty Insurance Underwriter with 2+ years experience. An underwriter is the designee of an insurance company (usually an employee) that selects and prices risks (customers) and can place requirements on those risks. For the last five years I have been working as an analyst in the insurance software development field, but I still need to keep up to date on industry trends as part of my job.

I am aware of no insurer that has an exclusion or requirement regarding CCW. Further, ISO (the Insurance Services Office) which develops coverage forms and endorsements that are used by the majority of the industry does not have a firearm exclusion form. (I just double-checked that in case something new came in recently - searching all General Liability forms for the term "firearm" resulted in zero on-point hits.)

This whole "our insurance forbids it" is BS, IMO. Some small specific insurers may have a custom form filed, but I doubt it - forms generally must be approved by the various state insurance departments, and in my professional opinion that would be a non-starter. States would laugh them out of the room.

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Addendum:

Workers Comp is my weakest line, there may be an exclusion available - but I *highly* doubt it.

I also didn't consider the function of Loss Control. Companies may be watching for gun issues when they inspect risks and rating, canceling or non-renewing for what they perceive as increased hazards, but I haven't heard of this happening.

Another variable I didn't consider is the "ick" factor. Underwriters are individuals, and their personal biases bubble to the surface when they consider whether a risk is acceptable for coverage or not. If a specific underwriter doesn't like guns, that may affect the requirements being placed on a business applying for coverage. (Personally, I hate commercial roofers - I've taken it in the shorts a few times by exceptionally stupid acts by them.)

This is specifically what I was told by the Owatonna Federal Credit Union when they put up a "bans" sign in 2003. The manager stated the sign was required by their insurance company. (And also they did not want any Jesse James, Northfield Bank, shootouts. I did remind them that a teller was shot after doing exactly what the robbers demanded at the infamous Northfield Bank robbery. Also there was no "shoot out" until the robbers left the banks. They were not interested.)

I moved my 20+ year account with them (over $350k) to Well's Fargo.

The sign is still up today.

I asked about Well's Fargo's policy before moving the account. They do not ban guns.

This is specifically what I was told by the Owatonna Federal Credit Union when they put up a "bans" sign in 2003. The manager stated the sign was required by their insurance company. (And also they did not want any Jesse James, Northfield Bank, shootouts. I did remind them that a teller was shot after doing exactly what the robbers demanded at the infamous Northfield Bank robbery. Also there was no "shoot out" until the robbers left the banks. They were not interested.)