For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Airsoft 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 National Institutes of Health found that suicides at shooting ranges are rare, but they still happen and can be prevented. The best way to protect your business against liabilities is to assemble a protective gun range policy. This article will cover what you need to know about gun range insurance.
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.
| 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 |
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.
Customer property coverage–This add-on to general liability insurance can reimburse a customer’s financial losses if his gone, bag, phone, or any other personal belonging got lost or damaged while under your gun range’s care, custody, and control
HNOA coverage–Hired/non-owned auto liability coverage takes care of expenses if a vehicle you hired or borrowed causes an accident and injures third parties
Generally no. General liability covers liabilities costs from third parties. The policy doesn’t grant coverage to damaged equipment you own. However, this can be addressed by including a tools and equipment add-on to general liability insurance.
Gun insurance requirements might be instituted for the first time in 2023. Laws in some states might require that owners of firearms obtain and maintain a form of liability insurance.
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
No, this is typically not required by law, but it is a good idea regardless. Legal fees for injuries and damages can be costly, and an insurance policy can give you greater peace of mind.
Generally yes. Public liability insurance policies are considered a business expense by the IRS. You will want to keep track of your policy payments throughout the year so you can get a benefit on your taxes when tax time rolls around.
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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 |
Insurance for shooting ranges should often include commercial property coverage. This helps you get reimbursed and protected when your commercial property gets damaged or stolen. Examples of when to use this policy include:
A thief breaks onto your premises and steals some of your equipment on the gun range
A physical event like an out-of-control fire causing property damage to your business building
Outdoor sign coverage–This covers the cost of replacing or replacing signs outside your business to help draw people to your store
Employee dishonesty coverage–This covers losses in case an employee commits theft, social engineering, or any other dishonest acts against your business
Flood coverage–This covers repair or reconstruction costs if your business gets damaged or destroyed by floods
Typically commercial property has a coverage limit of around $60,000 on average for businesses. Higher limits are available based on the value of your property.
No, although commercial property insurance covers many types of physical events, negligence on your part is not covered. This means the policy will not cover rusted pipes, termite damage, and other sources of property damage that stem from your improper maintenance on your property.
