Insuranks
Insuranks

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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. Gun Range Insurance Requirements2. General Liability Insurance for Gun Ranges2.1. Coverage Limits of General Liability Insurance for Gun Ranges2.2. Add-Ons to General Liability Insurance for Gun Ranges 2.3. Does General Liability Cover My Equipment?2.4. Are There Any Insurance Requirements for Gun Ranges?3. Public Liability Insurance for Gun Ranges3.1. Is Public Liability Insurance Required by Law?3.2. Are Public Liability Insurance Policies Tax Deductible?4. Commercial Property Insurance for Gun Ranges4.1. Add-Ons to Commercial Property Insurance4.2. Coverage Limits of Commercial Property Insurance for Gun Ranges4.3. Are All Types of Damage Covered by Commerc5. Business Owner’s Policy for Gun Ranges5.1. Coverage Limits of Business Owner’s Policy for Gun Ranges5.2. Add-Ons to Business Owner’s Policy for Gun Ranges6. Tools and Equipment Insurance for Gun Ranges6.1. Coverage Limits of Tools and Equipment Insurance for Gun Ranges6.2. Add-Ons for Tools and Equipment Insurance for Gun Ranges7. Workers Compensation Insurance for Gun Ranges7.1. Does Workers’ Compensation Cover Negligence?7.2. What is a Monopolistic State?8. Gun Range Insurance Cost9. Best Gun Range Insurance Companies9.1. NEXT Gun Range Insurance 9.1.1. Pros9.1.2. Cons9.2. The Hartford Gun Range Insurance 9.2.1. Pros9.2.2. Cons9.3. CoverWallet Gun Range Insurance 9.3.1. Pros9.3.2. Cons9.4. Tivly Gun Range Insurance 9.4.1. Pros9.4.2. Cons9.5. Thimble Gun Range Insurance 9.5.1. Pros9.5.2. Cons9.6. Hiscox Gun Range Insurance 9.6.1. Pros9.6.2. Cons

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


CoverWalletNEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keysExcluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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 Commerc

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.