Gun Range Insurance: Cost & Quotes From $35/mo

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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 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

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

Coverage Limits of General Liability Insurance for Gun Ranges

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


Add-Ons to General Liability Insurance for Gun Ranges 

  • 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 

Does General Liability Cover My Equipment?

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. 


Are There Any Insurance Requirements for Gun Ranges?

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. 


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

Is Public Liability Insurance Required by Law?

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.


Are Public Liability Insurance Policies Tax Deductible?

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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Commercial Property Insurance for Gun Ranges

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

Add-Ons to Commercial Property Insurance

  • 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 

Coverage Limits of Commercial Property Insurance for Gun Ranges

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.


Are All Types of Damage Covered by Commercial Property Insurance?

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.




Business Owner’s Policy for Gun Ranges

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


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

Coverage Limits of Business Owner’s Policy for Gun Ranges

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.


Add-Ons to Business Owner’s Policy for Gun Ranges

A critical add-on for BOP is business interruption insurance. This allows you to cover things like moving expenses and lost income resulting from a physical peril like a flood.


Tools and Equipment Insurance for Gun Ranges

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 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

Coverage Limits of Tools and Equipment Insurance for Gun Ranges

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.


Add-Ons for Tools and Equipment Insurance for Gun Ranges

A few add-ons you can customize your tools and equipment policy with include:

  • Equipment breakdown–Covers equipment breakdowns that result from things like power outages as well as the costs to repair and replace them

  • Transit coverage–Covers your business property when it needs to be transported from one place to another place

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.


What is a Monopolistic State?

In some states, workers’ compensation policies are bought from the government instead of a private insurer. This is what is called a monopolistic state. These monopolistic states are listed below.

Ohio Apply with the Ohio Bureau of Workers’ Compensation
North Dakota Companies buy policies from North Dakota Workforce Safety & Insurance
Washington Coverage is provided by the Washington State Department of Labor & Industries
Wyoming You can get policies from Wyoming Workforce Services

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Gun Range Insurance Cost

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


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. Here’s another table showing the cost of $1 million general liability insurance from companies we recommend:

Cost per Month Cost per Year Best for
NEXT $35 $420 Overall best for gun range insurance
The Hartford $54 $648 Business owner’s policy for gun range insurance
CoverWallet $45 $540 Policy options for gun ranges
Tivly $49 $588 Easily buying your gun range policy
Thimble $53 $636 Getting coverage quickly
Hiscox $59 $708 Bundling multiple gun range policies

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Best Gun Range Insurance Companies

Now that you know the prices and components of gun range insurance, take a look at our reviews of some of the gun range insurance companies. Proceed below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Gun Range Insurance

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

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. Their general liability policy includes medical payments, reputational harm, advertising injury, and more.

Best for: Best overall; Fastest general liability insurance for gun ranges

Average cost: $35 per month 

Our rating: 10/10


The Hartford Gun Range Insurance

Pros

  • File your claims online

  • Quotes are easy to generate

Cons

  • Some states may not be covered

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.

Best for: Business owner’s policy for gun range insurance

Average cost: $54 per month 

Our rating: 10/10


CoverWallet Gun Range Insurance

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

CoverWallet 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.

Best for: Comparing gun range insurance quotes online

Average cost: $45 per month 

Our rating: 10/10


Tivly Gun Range Insurance

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

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 been in the insurance business for 20 years and has an A rating from the BBB. Call now to compare quotes over the phone. 

Best for: Comparing gun range insurance quotes over the phone 

Average cost: $49 per month 

Our rating: 10/10


Thimble Gun Range Insurance

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

At Thimble you get gun range insurance components like general liability, business owners policy, commercial property, business equipment, and workers compensation. Thimble is great for first-time buyers because they offer helpful resources to help you decide. 75% of their business comes from first-time buyers, and they have an A rating from AM Best.

Best for: On-demand coverage for gun ranges 

Average cost: $53 per month 

Our rating: 10/10

Hiscox Gun Range Insurance

Pros

  • 14-day refund policy

  • Discounts for bundling policies

Cons

  • Some policies have a company size limit

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 and is highly reviewed with a 4.7/5 rating. Hiscox has an A rating with AM Best.

Best for: Bundling multiple policies

Average cost: $59 per month 

Our rating: 10/10

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