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Airsoft Insurance: Cost $ Quotes From $45/mo

Table of contents
1. General Liability Insurance for Airsoft Fields1.1. Add-Ons to General Liability Insurance for Airsoft Fields1.2. Coverage Limits of General Liability Insurance for Airsoft Fields1.3. Does the General Liability Insurance Cover Accidents That Happen Outside the Field?1.4. Does the General Liability Insurance Cover Damage to My Airsoft Equipment?2. Public Liability Insurance for Airsoft Fields2.1. Coverage Limits of Public Liability Insurance for Airsoft Fields3. Commercial Property Insurance for Airsoft Fields3.1. Add-Ons to Commercial Property Insurance for Airsoft Fields3.2. Coverage Limits of Commercial Property Insurance for Airsoft Fields4. Business Owner’s Policy for Airsoft Fields4.1. Add-Ons to Business Owner’s Policy for Airsoft Fields4.2. Coverage Limits of Business Owner’s Policy for Airsoft Fields5. Tools and Equipment Insurance for Airsoft Fields5.1. Add-Ons to Tools and Equipment Insurance for Airsoft Fields5.2. What Types of Equipment Are Covered Under My Tools and Equipment Insurance?6. Workers Compensation Insurance for Airsoft Fields6.1. Is Workers’ Compensation Compulsory for My Airsoft Business?7. Airsoft Event Insurance8. Airsoft Field Insurance Cost9. Best Airsoft Field Insurance Companies9.1. NEXT Airsoft Insurance Airsoft Insurance 9.1.1. Pros9.1.2. Cons9.2. CoverWallet Airsoft Insurance 9.2.1. Pros9.2.2. Cons9.3. The Hartford Airsoft Insurance 9.3.1. Pros9.3.2. Cons9.4. Tivly Airsoft Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Airsoft Insurance 9.5.1. Pros9.5.2. Cons9.6. Hiscox Airsoft Insurance 9.6.1. Pros9.6.2. Cons

Airsoft, just like paintball, is classified as a high-adrenaline game. However, although the game is fun, airsoft guns tend to shoot at very high speeds and may cause injuries. Other eventualities can occur, leading to bodily injury or property damage. To safeguard yourself from any financial liability, ensure you have airsoft insurance.



General Liability Insurance for Airsoft Fields


CoverWallet NEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


If you are an airsoft field owner, it is vital to have general liability insurance. This policy will cover unforeseen accidents and injuries on the field. It covers things such as:

  • Property damage reimbursement

  • Medical costs 

  • Legal costs


This airsoft business insurance is fundamental for your business and will prevent significant financial consequences after an accident. You don't have to bear the financial burden. The policy will cover all related costs.


Add-Ons to General Liability Insurance for Airsoft Fields

You can include additional coverage to your general liability insurance to enhance the policy. The additional policies will protect your business in a better way. Some of the common add-ons include:.

  • Product liability insurance–If your business sells airsoft guns, product liability insurance will protect your business if the products you sell cause injuries to the users

  • Assault and battery insurance–This insurance will protect you against claims of physical altercations on the field


Coverage Limits of General Liability Insurance for Airsoft Fields

The coverage limit for general liability insurance will depend on the insurer you select and your policy. The insurer will also provide the limit considering the size of your business and the number of players. But generally, it can be from $1 million to $ 5 million.


Does the General Liability Insurance Cover Accidents That Happen Outside the Field?

This policy primarily covers accidents that occur within the field or premises. If a player is injured outside your field, you are not liable to cater for their medical expenses.


Does the General Liability Insurance Cover Damage to My Airsoft Equipment?

No, the policy only covers bodily injury, advertising costs, and property damage. For airsoft equipment damage, you need to have another policy.


Public Liability Insurance for Airsoft Fields

Airsoft public liability insurance covers claims by customers, bystanders, or third parties. These people may have been injured while on your airsoft field. Some of the incidents the airsoft public liability insurance will cover include:

  • A spectator or any other third party is injured on your airsoft field

  • A visitor gets his phone damaged while charging in the charging station of your airsoft field 

  • A third party falls or slips on your airsoft field due to uneven or wet surfaces

  • An airsoft gun vendor falls and breaks their leg in your field while delivering guns


Coverage Limits of Public Liability Insurance for Airsoft Fields

The coverage limit is the highest amount your carrier is willing to settle after the occurrence of a covered event. For public liability insurance, most providers offer a limit of $1 million to $5 million.

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Commercial Property Insurance for Airsoft Fields


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keysExcluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


Commercial property insurance covers your business's physical assets. This policy will insure your equipment, inventory, furniture, or fixtures from various events. Some of the risks covered include:

  • Fire

  • Vandalism

  • Theft

  • Natural disasters


Add-Ons to Commercial Property Insurance for Airsoft Fields

There are multiple additional coverages you can include in commercial property insurance. These can include:

  • Crime coverage–It will cover any losses due to theft by your employees or other third parties

  • Equipment breakdown coverage–Although it is included in commercial property insurance, you can include it as an add-on for specific equipment


Coverage Limits of Commercial Property Insurance for Airsoft Fields

Before determining the coverage limit, the insurer will determine your assets' value. Most insurance companies will offer a limit equivalent to your property's value. If your inventory is destroyed in a fire, the insurance provider will compensate the market value of the inventory.


Business Owner’s Policy for Airsoft Fields


CoverWalletThimble (Best)NEXTHiscoxThe Hartford
General liability aggregate limit$2,000,000$2,000,000$2,000,000$300,000$1,000,000/$2,000,000
Commercial property coverage limit$50,000$500,000$260,000$25,000$75,000
Optional policies can be added?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


A business owner's policy (BOP) combines several insurance coverages to offer a more convenient policy. It can include:

  • Commercial property insurance

  • General liability insurance

  • Business income insurance


Some of the incidents a BOP can help with are:

  • Bodily injury–When a customer or visitor is injured in your airsoft field. The BOP can cover medical expenses

  • Property damage–If your property is damaged due to any covered peril

  • Business interruption–If you close down your airsoft field due to a covered event, the BOP will cover your lost income and other associated business expenses

  • Equipment breakdown–If your equipment is damaged or your business experiences a breakdown, the BOP will cover replacement and repair costs


Add-Ons to Business Owner’s Policy for Airsoft Fields

  • Cyber liability insurance–This insurance protects your business data. It will protect you against any losses due to cyber attacks or data breaches.

  • Customer property coverage–This optional add-on the BOP of your airsoft field insurance overrides the CCC exclusion and reimburses the value of any lost or damaged property left under your watch


Coverage Limits of Business Owner’s Policy for Airsoft Fields

The BOP is not a single policy but a combination of many policies. Thus the coverage limits will depend on the included policies. For instance, the coverage limit of general liability is $500,000 to $ 2 million for each occurrence.