Archery Insurance for Ranges & Instructors: Cost & Quotes From $45/mo

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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.

General Liability Insurance for Archery

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.

Coverage Limits of General Liability Insurance for Archery

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. 


Specific Situations Where This Insurance Can Help

  • 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

Add-Ons to General Liability Insurance for Archery

  • 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 

Is General Liability Insurance Necessary for a Private Range?

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.


Professional Indemnity Insurance for Archery

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. 


Coverage Limits to Professional Indemnity Insurance for Archery

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.

Specific Situations Where This Insurance Can Help 

  • 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

Do I Need Professional Indemnity Insurance if I Already Have General Liability Insurance?

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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Commercial Property Insurance for Archery

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.


Coverage Limits of Commercial Property Insurance for Archery

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.


Specific Situations Where This Insurance Can  Help 

  • 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

Add-Ons to Commercial Property Insurance for Archery

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

Does Commercial Property Insurance Cover Damage to My Archery Equipment While in Use?

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.


Business Owner’s Policy for Archery

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.


Coverage Limits of  Business Owner’s Policy for Archery

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.

Specific Situations Where This Insurance Can Help

  • 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

Is a Business Owner’s Policy Necessary for All Archery Businesses?

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.


Two people practicing archery in a field.


Tools and Equipment Insurance for Archery

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.


Coverage Limits of Tools and Equipment Insurance for Archery

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.


Specific Situations Where This Insurance Can Help

  • 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

Add-Ons to Tools and Equipment Insurance for Archery

  • 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 

Is It Possible to Insure Custom-Made Archery Equipment Under This Policy?

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 for Archery

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.


Coverage Limits of Commercial Auto Insurance for Archery

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.

Add-Ons Commercial Auto Insurance for Archery

  • 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

What Types of Vehicles Are Covered under Commercial Auto Insurance for Archery?

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 for Archery 

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.


Coverage Limits of Accidental Medical Insurance for Archery

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.


Specific Situations Where This Insurance Can Help

  • 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

Is Accidental Medical Insurance for Archery Necessary for Individuals Participating in Archery Activities?

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.


Workers Compensation Insurance for Archery

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.

Coverage Limits of Workers Compensation Insurance for Archery

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.


Specific Situations Where This Insurance Can Help

  • Slip and fall accidents

  • Struck by equipment or objects

  • Repetitive motion injuries

  • Back and neck injuries

Add-Ons to Workers Compensation Insurance for Archery

  • Employer’s liability insurance–Provides additional coverage for employers whose employees sue for injuries or illnesses not covered under the workers’ compensation policy.

Is Workers’ Compensation Insurance Required for Archery Instructors Who Are Independent Contractors?

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.


Archery Club 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

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Archery Insurance Cost

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

Compare Cheap Archery Insurance Quotes Online

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Best Archery Insurance Companies

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. 


NEXT Archery Insurance

Pros

  • A comprehensive insurance policy specifically designed for trainers

  • User-friendly online platform

  • Knowledgeable and friendly customer service team

  • The fast and easy claims process

Cons

  • 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 Archery Insurance 

Pros

  • 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

Cons

  • 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


The Hartford Archery Insurance

Pros

  • 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

Cons

  • 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


Tivly Archery Insurance

Pros

  • 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.

Cons

  • 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


Thimble Archery Insurance

Pros

  • 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.

Cons

  • 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 Archery Insurance

Pros

  • 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

Cons

  • 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


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