Insuranks

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.

Compare Cheap Airsoft Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

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.



Tools and Equipment Insurance for Airsoft Fields


NEXTThimbleHiscoxThe Hartford
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,000$5,000-$10,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
Deductible$500$500$0$0


Tools and equipment insurance covers your tools and equipment. It covers theft, vandalism, fire, or loss of your tools and equipment. This insurance is essential for your airsoft field since you must have invested in specialized tools and equipment. The insurance will cover the following:

  • Tools and equipment you use for airsoft activities

  • Business equipment

  • Tools and equipment stored in offsite locations

  • ·Tools and equipment used by employees or subcontractors


Add-Ons to Tools and Equipment Insurance for Airsoft Fields

  • Inland marine coverage will cover your tools when they are in transit. For instance, when transporting for use in events

  • Equipment breakdown coverage will protect your equipment and tools from damage due to electrical failures or mechanical breakdowns


What Types of Equipment Are Covered Under My Tools and Equipment Insurance?

This airsoft insurance will cover many items, such as protective gear, airsoft guns, targets, and any other equipment you use on your airsoft field.


Workers Compensation Insurance for Airsoft Fields

Work-related accidents can occur, leading to injuries to your employees. Also, their working conditions may subject them to occupational illnesses. The worker's compensation insurance will cover medical costs and other benefits. This insurance will cover:

  • Lost wages

  • Medical expenses

  • Rehabilitation expenses

  • Death benefits


Is Workers’ Compensation Compulsory for My Airsoft Business?

Yes, businesses with more than one employee should have this insurance policy. Your employees must be protected from work-related accidents.


Airsoft Event Insurance

Airsoft event insurance covers the liabilities arising from property damage or bodily injuries sustained by participants of an event hosted by your airsoft field. This can also cover the cost of reimbursing damaged rental equipment. Further coverage applies on event cancellation caused by bad weather.

Rank and Review Insurance Companies

Help others make better decisions

Show more

Airsoft Field Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$90$1,080$0-$500
Commercial property insurance1501800$1,000-$2,000
Business owner's policy$240$2,880$1,500
Tools and equipment insurance$95$1,140$500-$1,000
Workers comp insurance$190$2,280$2,500-$5,000


The cost of airsoft site insurance is $90 per month or $1,080 per year for a $1 million general liability insurance. But some factors influence the premiums your business will be paying. Some key things that may make the airsoft insurance cost higher or lower include:

  • Size of your business

  •  Number of employees

  • Level of risks

  • Limits of coverage


In connection, here’s a table showing the $1 million general liability insurance rates of companies we recommend:


Cost per MonthCost per YearBest for
NEXT$55$660Best overall; Fastest general liability insurance for airsoft fields
CoverWallet$60$720Airsoft site insurance online quotes comparison
The Hartford$63$756Airsoft field operators looking for online tools and resources to manage their policies better
Tivly$69$828Comparing airsoft insurance quotes over the phone
Thimble$72$864Airsoft field operators looking for temporary airsoft event insurance policies
Hiscox$80$960Airsoft field operators who are looking for a reliable insurance company that offers multiple insurance products

Compare Cheap Airsoft Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Airsoft Field Insurance Companies

Multiple companies offer airsoft insurance. But you must be careful when selecting your provider since some are not genuine. Here is a list of the best companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability coverage. 


NEXT Airsoft Insurance Airsoft Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for airsoft fields

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies

Cons

  • Couldn’t find any 

NEXT is a reputable business insurance provider. This company operates online, allowing you to acquire a policy or file claims on the virtual platform. You can either purchase single or bundled policies depending on your needs. This provider is ideal for small businesses who want a simplified application process.

Best for: Best overall; Fastest general liability insurance for airsoft fields

Average cost: $55 per month 

Our rating: 10/10


CoverWallet Airsoft Insurance

Pros

  • Free quotes available

  • Easy application process

  • You can compare rates from many insurers

Cons

  • Poor customer support

CoverWallet is a virtual platform that sells many insurance policies. This company collaborates with many insurance providers to ensure you have access to the best rates and terms. They will help you understand your needs and offer quotes. Through their website, you manage your policies and claims in a very convenient manner.

Best for:  Airsoft site insurance online quotes comparison 

Average cost: $60 per month 

Our rating: 10/10


The Hartford Airsoft Insurance

Pros

  • Faster claims processing

  • Their local agents offer a better experience

  • Great benefits for the AARP members

Cons

  • Limited policies

The Hartford is a company that offers businesses various insurance products. This company has been offering insurance products for several years. You can rely on their proven track record to deliver exceptional results for your airsoft field business. They also offer online tools and resources to help you manage your policies.

Best for:  Airsoft field operators looking for online tools and resources to manage their policies better.

Average cost: $63 per month 

Our rating: 10/10


Tivly Airsoft Insurance

Pros

  • Instant quotes

  • Has collaborated with more than 200 providers

  • Competitive prices

Cons

  • No mobile app

Tivly connects business persons with reputable insurers. You have the freedom to choose from your preferred provider. This company primarily aims to provide customers with affordable and flexible options. You can quickly obtain quotes and purchase the policy online without the need of frustrating paperwork. Call now to compare quotes over the phone. 

Best for: Comparing airsoft insurance quotes over the phone 

Average cost: $69 per month 

Our rating: 10/10


Thimble Airsoft Insurance

Pros

  • Instant insurance quotes

  •  On-demand policies

  • Comprehensive coverage options

Cons

  • Customer support is not available offline

Thimble is famous for offering on-demand policies. For instance, if your business is looking for one-week or one-month insurance coverage, they are your best choice. You can purchase the policies for a specific period, even for hours. They offer customers so much flexibility since you can apply for policies online.

Best for: Airsoft field operators looking for temporary airsoft event insurance policies

Average cost: $72 per month 

Our rating: 8/10


Hiscox Airsoft Insurance

Pros

  • Instant quotes

  • Discounts available

  • User-friendly platform

Cons

  •  Limited to some states

Hiscox is a well-known insurance company that offers multiple insurance products. This company sells the most essential products to small businesses. They operate online, and you can conveniently purchase their policies from their website.

Best for: Airsoft field operators who are looking for a reliable insurance company that offers multiple insurance products

Average cost: $80 per month 

Our rating: 9/10


Recent Reviews

Recent Posts