Gun Range Insurance: Cost & Quotes

Advertiser disclosure

Your trust matters to us. Always.

We believe everyone deserves access to clear, honest, and unbiased information when it comes to insurance decisions. While we don’t include every provider or product available, we work hard to offer guidance that’s well-researched, accurate, and helpful completely free of charge.

So how do we keep the lights on? We may earn compensation from some of the companies we feature or link to. This can influence which products appear and where they’re placed on our site. However, it doesn’t affect our editorial standards. Our reviews and recommendations are based on thorough research, real-world insights, and a commitment to helping you make informed choices. No partner can pay to receive a favorable review.

Updated: March 27, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Paintball is fun but nothing beats the thrill of using real guns. Did you know that according to IBIS World, revenues at shooting ranges are steadily growing? Accidents can be a significant concern for gun clubs and shooting ranges. 

The best way to protect your business against liabilities is to assemble a protective gun range policy.Thas where  gun range insurance comes in. 

This article will cover what you need to know about gun range insurance, their premium costs and the best companies offering the policies.

Gun Range Insurance Requirements

Gun ranges must have workers compensation insurance. This is the only requirement. However, it’s not bad to have at least $1 million general liability insurance in case someone in the gun range gets hurt. 

Also having commercial property and equipment insurance ensures you have comprehensive protection. 

 

General Liability Insurance for Gun Ranges

Gun club insurance with a general liability policy protects your business from third-party claims. You get coverage from personal injury, bodily injury, and property damage claims. Examples include:

  • A customer injures themself at your gun range and sues you for the damage
  • Someone wanders into your gun club property and slips and falls

Typically you will find general liability coverage that has a $1 million limit per occurrence and $2 million by aggregate.

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

 

 

Public Liability Insurance for Gun Ranges

Shooting club insurance with public liability protection covers third-party claims from customers and the general public. This policy typically covers between $1 and $2 million per occurrence and $2 to $4 million in aggregate coverage. Examples include:

  • A customer damages their rifle on the range and blames it on the clutter at your business
  • Someone slips and falls on your business property, requiring medical treatment

 

Business Owner’s Policy for Gun Ranges

Business owner’s policy combines the coverage of a general liability policy and a commercial property policy. This means you are getting some third-party liability protection and some first-party protection in one package. Example situations include:

  • Someone slips and gets injured on your property, also damaging your own business property in the process. BOP would cover both sources of costs.
  • A flood causes physical damage to your property

Business owner’s policy will have a general liability coverage limit of $1-2 million and a commercial property limit that ranges between $15,000 and $60,000. You can get higher limits if necessary.

CoverWallet Thimble (Best) NEXT  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

 

Tools and Equipment Insurance for Gun Ranges

Tools and equipment insurance protects your business property, even when it is off the premises of your business. It can help you with the costs to repair or replace a tool that is stolen or a piece of equipment that breaks down. Examples include:

  • Someone steals your gun range equipment while you are transporting it to another site
  • A windstorm blows over some of your work tools, requiring costly repairs

The median average coverage for tools and equipment is $5,000. Higher limits exist, which can go up to $15,000 or more for the length of your policy.

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

 

Compare Gun Range Insurance Quotes Online

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

 

Workers Compensation Insurance for Gun Ranges

Workers’ compensation insurance is a policy that protects employees you have if they are injured while performing their work. Employers pay for this policy, and benefits include things like wage replacement and medical care. Examples include:

  • While setting up the target, an employee falls over and breaks their leg
  • An employee inhales lead dust while working, which causes them to develop a health condition that requires treatment

Does Workers’ Compensation Cover Negligence?

Yes, many policies will cover workers’ compensation injuries for employees, no matter who is at fault. Some exceptions include working while intoxicated and other examples of extreme negligence.

 

Gun Range Insurance Cost

The average gun range insurance cost is $62 per month or $744 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, revenues, policy limits, deductibles, and more. 

Cost per Month Cost per Year Deductible
General liability insurance $62 $744 $0-$500
Commercial property insurance $81 $972 $1,000-$2,000
Business owner’s policy $143 $1,716 $1,500
Commercial auto insurance $70 $840 $500-$1,000
Workers compensation insurance $167 $2,004 $1,000-$2,500

 

 

Rank and Review Insurance Companies

Help others make better decisions

Show more

Best Gun Range Insurance Companies

NEXT 

NEXT is the overall best pick for gun range and gun club insurance. The company offers general liability, commercial property, business owner’s policy, and tools and equipment insurance.

 Next has an A- AM Best rating for long-term financial security and a B+ from the Better Business Bureau. 

Average cost: $35 per month 

Our rating: 10/10

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for gun ranges
  • 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

 

The Hartford

The Hartford has a nice selection of policy components for your gun range insurance. One that stands out is their business owner’s policy, which can be customized with specialized policy. 

They help you make your policy custom-fit for your specific business and help you avoid losses early on in your business. The company has an A- rating from AM Best.

Average cost: $54 per month 

Our rating: 10/10

Pros

  • File your claims online
  • Quotes are easy to generate

Cons

  • Some states may not be covered

Compare Gun Range Insurance Quotes Online

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

 

CoverWallet

It offers general liability policy, commercial property, workers’ compensation, business owner’s policy, and more. Your gun range policy is maximized thanks to CoverWallet comparing your policies with their partners. CoverWallet has an A+ rating from the BBB.

Average cost: $45 per month 

Our rating: 10/10

Pros

  • The dashboard makes filing, tracking, and shopping extremely simple
  • Excellent selection of policy components
  • Compare quotes online quickly
  • HNOA coverage automatically added to general liability insurance

Cons

  • Not an insurance company but an insurance broker

 

Tivly 

Tivly is an insurance platform that offers policies from over 200 partners. They help you generate multiple quotes at once and get connected to the right insurance policy quickly. Tivly has an A rating from the BBB. 

Average cost: $49 per month 

Our rating: 10/10

Pros

  • Compare quotes over the phone
  • Helps connect you to insurance providers
  • Highly personalized approach
  • Quick customer response

Cons

  • You have to call to get a quote

 

Thimble

At Thimble you get gun range insurance components like general liability, business owners policy, commercial property, business equipment, and workers compensation.. 75% of their business comes from first-time buyers, and they have an A rating from AM Best.

Average cost: $53 per month 

Our rating: 10/10

Pros

  • Easy-to-use mobile app
  • Great online resources
  • Numerous add-ons to BOP and general liability insurance
  • ACORD 25 certificate of insurance

Cons

  • Customer service isn’t 24/7

Hiscox 

Hiscox has policies that are designed for small businesses. They tailor the policy based on your business needs and help you bundle multiple policies thanks to their discounts. 

This company offers a nice selection of policies like general liability, business owner’s policy, and workers’ compensation.

 Their claims center provides 24/7 assistance with an A rating with AM Best.

Average cost: $59 per month 

Our rating: 10/10

Pros

  • 14-day refund policy
  • Discounts for bundling policies

Cons

  • Some policies have a company size limit

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

Recent Reviews

Recent Posts


Additional Business Insurance posts

Become a voice

Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!