Archery can be as fun as paintball. If you own an archery business or club or practice this sport, having proper insurance coverage is essential to protect yourself, your employees, and your assets in case of accidents or unpredicted events. This article will help and guide you by discussing the different types of insurance policies available for archery, their coverage limits, and their add-ons. Additionally, it will provide an estimate of archery insurance costs and review some of the best insurance companies in the industry.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | Included |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | Included |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $300,000 | Included |
| Waiver of subrogation included? | Yes | No | Included | Can be included | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Yes | Yes |
| 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 |
General liability insurance for archery is an insurance policy that protects archery instructors, range owners, and clubs from claims by third parties for injury or property damage caused during archery events or activities.
The coverage limits vary depending on the policy chosen by the archery instructor, range owner, or club. The limits usually range from $1 million to $5 million per occurrence and aggregate.
Accidental injury to a participant or spectator during an archery event or activity
Damage to property caused by the archery instructor, range owner, or club during an event or activity
Accidents occurring during off-site events or performances
Negligence claims against the archery instructor, range owner, or club
Equipment coverage–This add-on allows general liability insurance to cover the cost of replacing bows and other archery equipment your business owns
Non-owned or hired automobile liability coverage–This covers the cost of accidents caused by a hired or borrowed commercial vehicle
This type of archery range insurance is required for private ranges, as accidents can still occur even in a private setting. In case of an accident or incident, the range owner could be held liable for any injuries or damages, making it essential to have liability coverage in place.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| License defense coverage included | No | No | No | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
As an archery professional, you may be at risk of claims arising from allegations of professional negligence or mistakes made while providing your services. This is where professional indemnity insurance (PII) comes in. This archery range and archery instructor insurance policy is designed to protect from such allegations errors and omissions.
The coverage limits for PII vary depending on the policy chosen by the archery business. The limits usually range from $1 million to $5 million.
Providing incorrect advice to a client on equipment selection or usage
Failure to properly instruct a client on proper archery techniques, leading to injury or damage
Damage to a client's property during a session
Loss of client's equipment due to negligence
It is commendable to have both policies in place. While general liability insurance covers bodily injury and property damage claims, it may not cover claims of professional negligence or errors and omissions made by the archery professional. PII explicitly covers these types of claims, protecting your business.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $350,000 | $25,000/$500,000 | $25,000 | $50,000 |
| Contents coverage limit (minimum) | $50,000 | $18,000 | $25,000/$500,000 | $25,000 | $50,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| 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 is a type of insurance policy that covers physical damage to your business property, including buildings, equipment, and inventory. As an archery business owner, having this insurance can protect you against financial losses from damage or destruction of your property caused by fire, theft, vandalism, or severe weather conditions.
The coverage limits for commercial property insurance will depend on the policy chosen by the archery business owner. The limits usually range from $100,000 to $5 million.
Damage to your archery equipment or inventory due to a covered incident, such as a fire or theft
Damage to your building caused by a covered event, such as a natural disaster or vandalism
Loss of income due to business interruption caused by a covered event, such as damage to your property that prevents you from operating your business as usual
Some common add-ons for commercial property insurance in the archery industry include:
Equipment breakdown coverage, which covers the cost of repairs or replacement of equipment that has malfunctioned or been damaged due to a mechanical breakdown
Outdoor property coverage, which covers damage to outdoor property such as target stands, backstops, and netting
Inland marine coverage, which covers damage or loss to equipment while it is being transported or in transit
Commercial property insurance may not cover damage to your archery equipment while it is in use. However, you may be able to purchase additional coverage, such as equipment breakdown coverage or outdoor property coverage, to ensure that your equipment is protected. Reviewing your policy carefully and speaking with your insurance provider to understand exactly what is covered is essential.
| CoverWallet | Thimble | NEXT | Hiscox (Best) | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000/$500,000 | $350,000 | $25,000 | $50,000 |
| 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) for archery is a bundled insurance policy that combines various insurance coverages for small businesses in the archery industry, including general liability insurance, commercial property insurance, and business interruption insurance. The BOP is designed to protect archery business owners against various risks and liabilities that may arise while running their businesses.
The coverage limits of this archery range and archery instructor insurance will depend on the policy chosen by the archery business owner. The limits typically range from $1 million to $4 million.
Bodily injury or property damage to a third party caused by the archery business operations or products sold
Damage or destruction of business property, such as buildings, equipment, and inventory, caused by a covered event such as fire, theft, or vandalism
Business interruption due to a covered event, such as property damage that prevents the archery business from operating as usual
All archery businesses should consider a business owner's policy as it provides comprehensive coverage against various risks and liabilities. However, the specific insurance needs of each archery business may vary, and it is essential to consult with an insurance professional to determine the most appropriate coverage for your business.
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| NEXT | Thimble | Hiscox | The 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/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance covers the loss or damage of equipment and tools used for archery, including bows, arrows, targets, stands, and other gear. This policy can be crucial for archery instructors, archery clubs, and archery ranges.
The coverage of archery equipment insurance will depend on the policy chosen by the archery business owner. The limits usually range from $2,500 to $100,000.
Theft of equipment and tools
Damage to equipment due to fire, vandalism, or natural disasters
Accidental damage to equipment during use
Loss of equipment during transport
Inland marine coverage, which covers equipment and tools while they are being transported
Rented or leased equipment coverage, which covers the cost of rented or leased equipment that got stolen or damaged due to fire, theft, vandalism, and other covered perils
Yes, it is possible to ensure custom-made archery equipment under this policy. However, the policyholder must provide proof of the value and ownership of the equipment to the insurance provider.
Commercial auto insurance is a type of insurance policy that offers coverage for vehicles used in business operations, including transportation of archery equipment, instructors, and clients. This policy can protect the business owner from financial losses resulting from accidents, theft, or damage to the vehicle.
The coverage limits for Commercial Auto Insurance will depend on the policy chosen by the archery business owner. The limits usually range from $500,000 to $1 million.
Hired and non-owned auto liability coverage, which covers liability claims resulting from accidents caused by vehicles not owned by the business but used for business operations
Uninsured Motorist coverage, which covers damages and medical expenses resulting from accidents caused by uninsured or underinsured drivers
Commercial auto insurance typically covers vehicles used for business operations, including vans, trucks, and trailers. However, policies may differ between insurance providers, so checking with your carrier is essential to ensure your vehicles are covered.
Accidental medical insurance is a type of insurance policy that covers the cost of medical treatment for injuries resulting from accidents while participating in archery activities. This insurance policy is specifically designed for individuals and organizations involved in archery activities, such as archery clubs, archery ranges, and archery instructors.
The coverage limits for accidental medical insurance can vary depending on the policy and insurance provider. The policy may cover the cost of medical treatment, hospitalization, surgery, and other related expenses.
Accidental injury while participating in archery activities
Accidents that occur while setting up or taking down archery equipment
Injuries resulting from the use of faulty or defective archery equipment
While accidental medical insurance is not mandatory for individuals participating in archery activities, it is highly recommended. The cost of medical treatment for injuries resulting from archery accidents can be high, and this insurance policy can help cover those expenses.
This insurance policy is designed to benefit employees who are injured or become ill while performing their duties. It covers medical expenses, lost wages, rehabilitation costs, and death benefits in the event of a fatal injury. Employers are typically required by law to carry workers' compensation insurance.
The coverage limits for workers' compensation insurance can vary depending on the specific policy and state laws. Typically, the policy covers medical expenses, lost wages, rehabilitation costs, and death benefits up to a certain amount.
Slip and fall accidents
Struck by equipment or objects
Repetitive motion injuries
Back and neck injuries
Employer's liability insurance–Provides additional coverage for employers whose employees sue for injuries or illnesses not covered under the workers' compensation policy.
The requirement for workers' compensation insurance for independent contractors varies by state. In some cases, independent contractors may be exempt from the requirement, while in others, they may be required to carry their own coverage. It's crucial for archery instructors who are independent contractors to check the laws in their state to determine whether they need workers' compensation insurance.
Like any other organization, archery clubs need insurance coverage to protect themselves from potential liabilities. Archery club insurance typically includes various policies covering different areas of risk. Archery club insurance policies often include:
General liability insurance–This policy covers accidents or injuries on the club's premises and any resulting legal fees
Commercial property insurance–This policy covers damage to the club's property, including the building and any equipment
Event insurance–This policy covers accidents or injuries during club-sponsored events, such as tournaments or fundraisers
Workers' compensation insurance–This policy covers injuries sustained by employees while working for the club
The average archery range insurance cost is $50 per month or $600 per year for a $1 million general liability coverage. Instructors, on the other hand, pay $30 per month or $360 per year for the same type and amount of coverage. The table below gives a further idea of the premiums by showing the rates of companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for archery instructors and ranges |
| CoverWallet | $29 | $348 | Comparing archery insurance quotes online |
| The Hartford | $33 | $396 | Individuals who prioritize reputation and a range of coverage options |
| Tivly | $60 | $720 | Comparing archery insurance quotes over the phone |
| Thimble | $40 | $480 | Instructors who need on-demand coverage |
| Hiscox | $80 | $960 | Instructors prioritizing quality customer service |
Get all the best quotes from leading providers in a click of a button!
Choosing the best archery insurance company is major to guarantee that you have adequate coverage for your business or organization. Here are some unique reviews for each of the best archery insurance companies. Read to know their pros, cons, and average rate for a $1 million general liability insurance.
A comprehensive insurance policy specifically designed for trainers
User-friendly online platform
Knowledgeable and friendly customer service team
The fast and easy claims process
The company is relatively new to the market, and some customers may prefer to work with more established providers.
NEXT is a digital insurance company that provides business insurance coverage for small businesses and independent contractors in the United States. This company allows you to get covered online without talking to an agent. Moreover, you can make changes to your policy yourself intuitively. Last but not the least, NEXT’S liability policies comes with a free online certificate of insurance.
Best for: Best overall; Fastest general liability insurance for archery instructors and ranges
Average cost: $25 per month
Our rating: 10/10
CoverWallet has a team of experienced insurance professionals who can help you navigate the insurance process and answer any questions you may have
They offer payment options, including monthly and annual payment plans, so you can choose the option that works best for your budget
Some customers may find that the policies offered by CoverWallet are not as comprehensive as those offered by other providers
CoverWallet was founded in 2015 and is headquartered in New York City. One of the unique features of CoverWallet is its "SmartScore" technology, which uses data analytics and algorithms to evaluate a business's risk profile and provide customized insurance recommendations.
Best for: Comparing archery insurance quotes online
Average cost: $29 per month
Our rating: 10/10
Hartford provides a number of valuable benefits for policyholders, including access to a network of medical providers and legal professionals
Hartford offers discounts for bundling multiple insurance policies, such as general liability and workers' compensation insurance
The underwriting process may be more stringent than that of other providers
The Hartford is an insurance company that specializes in providing insurance products and services to small businesses. Their goal is to help small businesses manage their risks and protect their assets, while also providing expert guidance and support.
Best for: Individuals who prioritize reputation and a range of coverage options
Average cost: $33 per month
Our rating: 10/10
Offers free risk management resources to help businesses identify and mitigate potential risks
Provides access to a dedicated account manager for personalized service
They have flexible payment options, including pay-as-you-go and monthly payment plans.
Tivly may not be the most established provider in the market
Tivly is a digital insurance platform that specializes in providing affordable liability insurance for independent contractors in the United States. Tivly's mission is to make insurance simple, affordable, and accessible to small businesses and independent contractors. Call a representative now to compare quotes over the phone.
Best for: Comparing archery insurance quotes over the phone
Average cost: $60 per month
Our rating: 9/10
They offer affordable pricing, with policies starting at just $5.
The on-demand coverage can be purchased by the hour, day, or month, which can be cost-effective for instructors who only need coverage for specific events or classes.
The application process is quick and easy, and coverage can be activated immediately.
The on-demand coverage may not be ideal for instructors who need long-term coverage.
Thimble is an on-demand insurance provider that specializes in providing liability insurance. In addition to their own insurance products, they also provide insurance options from partner companies like Employers Insurance Group and Coterie Insurance Agency.
Best for: Instructors who need on-demand coverage
Average cost: $40 per month
Our rating: 9/10
Hiscox has a strong financial rating, indicating that they are a financially stable and reliable insurance provider
They provide a 24/7 claims hotline, ensuring that you can get help and support whenever you need it
Their website includes a variety of resources and guides to help business owners better understand their insurance options and make informed decisions
Hiscox's policies may be more expensive than some other insurance providers, particularly for small businesses or startups
Hiscox was founded in 1901 and is headquartered in Bermuda. They have operations in Europe, the United States, and Asia. Their mission is to provide high-quality insurance products and services that help businesses and individuals manage risk and protect themselves from unexpected events.
Best for: Instructors prioritizing quality customer service
Average cost: $80 per month
Our rating: 9/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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