For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The 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? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| 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 costsÂ
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.
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
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.
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.
No, the policy only covers bodily injury, advertising costs, and property damage. For airsoft equipment damage, you need to have another policy.
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 fieldÂ
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
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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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The 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 signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
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
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
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.
| CoverWallet | Thimble (Best) | NEXTÂ | Hiscox | The 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? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner's policy (BOP)Â 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
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 watchÂ
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.
