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