Running a paintball business is as difficult as running an archery business. Are you a business owner in the paintball industry? Whether you run a paintball field or provide paintball equipment, it's crucial to protect your business and assets with the right insurance coverage.
Injuries can happen in paintball just like airsoft. Moreover, equipment can easily get damaged or lost. Of course, your business operations will stop if something happens to the paintball field. Paintball insurance provides coverage for a wide range of risks that businesses in the industry may face, such as liability claims, property damage, equipment theft or damage, and more.
With the right coverage in place, you can have peace of mind knowing that your business is protected and you can focus on providing the best possible paintball experience for your customers. In this guide, we'll take a closer look at the different types of paintball insurance available, coverage options, costs, and the best insurance companies to work with.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $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 | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance provides coverage to businesses for third-party claims of bodily injury, property damage, and advertising injury. In the context of paintball businesses, general liability insurance is crucial as it can protect business owners from various liability claims that may arise from accidents or injuries that occur on their premises. Some specific situations where professional liability insurance for paintball businesses can come in handy include:
An employee fails to properly secure a player's mask, resulting in injury or vision loss.
A player is injured due to improper handling or maintenance of paintball equipment by an employee.
An employee gives incorrect instructions or advice to a player, resulting in injury or property damage.
An employee is accused of misconduct, such as discrimination or harassment, by a player or coworker.
The coverage limit for bodily injury and property damage liability is between $500,000 to $1,000,000 per occurrence, and the aggregate limit is between $1,000,000 to $2,000,000 per policy period.
Business owners can customize their general liability insurance policy by adding additional coverage options, including but not limited to:
Product liability insurance–This coverage option provides protection against liability claims that arise from products sold by the business.
Cyber liability insurance–This coverage option provides protection against liability claims that arise from cyberattacks, data breaches, or other cyber-related incidents.
A deductible is the amount of money that the policyholder must pay out of pocket before the insurance coverage kicks in. In some cases, the deductible may be a fixed amount, while in other cases, it may be a percentage of the claim amount.
To determine the deductible for your paintball insurance policy, you will need to review the terms of your policy or speak with your insurance provider. The amount of the deductible can have an impact on the cost of your insurance premium, so it's important to consider your deductible options carefully when selecting a policy.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $50/$10,000 |
Professional liability insurance, also known as errors and omissions insurance, provides coverage to businesses that deals with professional services or advice to clients. In the context of paintball businesses, professional liability insurance can protect business owners from liability claims that may arise from negligence, violation of fair dealing, and violation of good faith. The coverage limit is between $500,000 to $1,000,000 per occurrence.
You can customize your professional liability insurance policy by adding additional coverage options such a
Media liability insurance–This coverage option protects against liability claims that arise from the content published on a business's website, social media, or other media platforms
Abuse and molestation coverage–Takes care of liability claims filed because staff on your paintball business committed sexual harassment, verbal abuse, and other related offenses
Professional liability insurance is not mandatory for paintball businesses, but it can be beneficial. If a business provides professional services or advice to clients, there is a risk of liability claims arising from errors or omissions made while providing those services or advice.
Public liability insurance is a type of insurance policy that covers businesses for liability claims arising from third-party bodily injury or property damage. In the context of paintball businesses, public liability insurance can protect business owners from liability claims arising from accidents or incidents that cause bodily injury or property damage to third parties.
The coverage limits for public liability insurance can vary depending on the policy and the insurance company providing the coverage. Typically, the coverage limit is between $1,000,000 to $2,000,000 per occurrence, and the aggregate limit is between $2,000,000 to $4,000,000 per policy period.
No, public liability insurance is not mandatory for paintball businesses. However, it is highly recommended as it can provide essential protection for liability claims arising from accidents or incidents that cause bodily injury or property damage to third parties.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $400,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $15,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included | 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 | Included | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance is a type of insurance policy that provides coverage for business property and assets against physical damage or loss. In the context of paintball businesses, commercial property insurance can protect business owners from financial losses resulting from damage or loss of their property and equipment due to unexpected events such as fire, theft, or natural disasters.
If the paintball business experiences a fire that damages or destroys the property or equipment, commercial property insurance can provide coverage for the resulting financial losses.
If the paintball business experiences theft of property or equipment, commercial property insurance can provide coverage for the resulting financial losses.
If the paintball business is damaged by natural disasters such as a hurricane, earthquake, or flood, commercial property insurance can provide coverage for the resulting financial losses
You can customize your commercial property insurance policy by adding additional coverage options, including but not limited to:
Equipment breakdown insurance–This coverage option protects against financial losses resulting from equipment failure or breakdown
Spoilage coverage–If your paintball business involves selling food or beverages, spoilage coverage can help protect your business from financial losses caused by spoilage or contamination of perishable goods due to equipment failure, power outages, or other covered perils
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $400,000 | $25,000/$500,000 | $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 |
This is a comprehensive insurance package designed to provide coverage for small to medium-sized businesses. It combines several insurance policies into a single package, providing business owners with a convenient and cost-effective way to protect their business.
The coverage limits for a BOP can vary depending on the policy and the insurance company providing the coverage. A BOP typically includes two main types of coverage:
Property coverage–This coverage provides protection for the business's property and assets against physical damage or loss resulting from unexpected events such as fire, theft, or natural disasters. Limits range from $15,000-$50,000 or even higher
Liability coverage–This coverage provides protection for the business against financial losses resulting from third-party claims of bodily injury, property damage, or personal injury. Limits range from $1 million-$2 million
Business owners can customize their BOP policy by adding additional coverage options, including but not limited to:
Business interruption insurance–This coverage option provides protection against financial losses resulting from a temporary interruption of business operations due to a covered event
Customer property coverage–This add-on removes the CCC exclusion of a BOP’s liability coverage and grants reimbursement to the claimant in case his or her property got damaged while in the custody of your paintball business
| 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 provides protection for the tools and equipment used in the paintball business against physical damage, loss, or theft. Use this to insure the paintball guns, target dummies, helmets, vests, and other items given to players.
The coverage limits for tools and equipment insurance is $2,500-$5,000 per item scheduled in the policy. Higher limits are available.
If the paintball business's tools or equipment are stolen , the insurance can provide coverage for the resulting financial losses
If the paintball business's tools or equipment are damaged due to an unexpected event such as fire or natural disaster, the insurance can provide coverage for the resulting financial losses
Business owners can customize their tools and equipment insurance policy by adding additional coverage options, including but not limited to:
Equipment breakdown coverage–This coverage option protects against financial losses resulting from the breakdown or malfunction of equipment used in the paintball business
Tools and equipment insurance can cover various types of equipment used in paintball businesses, such as paintball guns, masks, air tanks, hoppers, and markers.
Commercial auto insurance is a type of insurance that provides coverage for vehicles used for business purposes. For paintball businesses, this coverage is essential as they use vehicles to transport equipment, staff, and customers to and from paintball fields.
Commercial auto insurance for paintball businesses can include several components, including but not limited to the following:
Auto liability coverage–This coverage protects against financial losses resulting from bodily injury or property damage caused by the business's vehicle
Collision coverage–This coverage protects against financial losses from damage to the business's vehicle due to an accident or collision
Comprehensive coverage–This coverage protects against financial losses resulting from damage to the business's vehicle due to unexpected events such as theft, vandalism, or natural disasters
If the business's vehicle is involved in an accident resulting in bodily injury or property damage, the insurance can cover the resulting financial losses
The insurance can cover the resulting financial losses if the business's vehicle is stolen or vandalized
Accidental medical insurance is a type of insurance that provides coverage for medical expenses resulting from accidental injuries. This insurance can benefit paintball businesses as it can help cover medical expenses for customers or visitors injured while playing paintball on the field.
If a customer or visitor becomes injured while playing paintball on the field, accidental medical insurance can cover their medical expenses
If a customer or visitor slips and falls on the paintball field or on the business's premises, accidental medical insurance can provide coverage for their medical expenses
Accidental medical insurance is not typically mandatory for paintball businesses but is highly recommended. This type of insurance can protect the business from potential lawsuits and provide peace of mind for customers and visitors who may become injured while on the paintball field.
Workers' compensation insurance is a type of insurance that provides benefits to employees who become injured or ill while on the job. It can provide medical care, wage replacement, and disability benefits to employees injured or ill due to their work activities.
Yes, workers' compensation insurance is typically mandatory for paintball businesses that have employees. It is essential to check with the state and local laws and regulations to determine the specific requirements for the business.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General Liability | $33 | $396 | $0-$500 |
| Professional Liability | $50 | $600 | $500-$1,000 |
| Tools and Equipment | $55 | $660 | $500-$1,000 |
| Accidental Medical | $60 | $720 | $500-$1,000 |
| Commercial Property | $150 | $1,800 | $1,000-$2,000 |
| Commercial Auto | $150 | $1,800 | $1,500 |
| Business Owner’s Policy | $350 | $4,200 | $1,500 |
| Workers Compensation | $400 | $4,800 | $2,000-$2,500 |
The average paintball business insurance cost is $80 per month or $960 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, policy limits, and deductibles. Here is a table summarizing the estimated paintball field insurance cost based on the rates of companies we recommend:
| Cost per Month | Cost per Year | Best For | |
|---|---|---|---|
| Tivly | $20 | $240 | Comparing paintball insurance quotes over the phone |
| NEXT | $50 | $600 | Best overall; Fastest general liability insurance for paintball businesses |
| CoverWallet | $50 | $600 | Comparing paintball insurance quotes online |
| Hiscox | $59 | $708 | Businesses seeking coverage from a carrier with strong financial backing |
| Thimble | $60 | $720 | On-demand insurance policies |
| The Hartford | $100 | $1,200 | Established public relations businesses seeking reliable and comprehensive coverage options |
Get all the best quotes from leading providers in a click of a button!
Finding the right insurance company for your paintball business can be daunting, as you want to ensure that you have adequate coverage at an affordable cost. Here are our picks. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for paintball businesses
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a technology-driven insurance company that specializes in providing small business insurance. With this Insurance, customers can customize their policies to meet their specific budget, making it a popular choice among small business owners.
Best for: Best overall; Fastest general liability insurance for paintball businesses
Average cost: $50 per month
Our rating: 10/10
Consolidate all your insurance policies into a single location, streamlining the process of reviewing your coverage, paying your bills, and filing claims
They provide excellent customer service and support, with a dedicated team of insurance advisors available to answer any questions or concerns
Some customers have reported delays in processing claims and difficulty contacting customer service during peak periods
Coverwallet is an insurance company that provides digital insurance solutions to small and medium-sized businesses. The company aims to simplify the insurance buying process by allowing businesses to compare and purchase policies.
Best for: Comparing paintball insurance quotes online
Average cost: $50 per month
Our rating: 10/10
Free benefits like new car replacement are included with AARP auto insurance policies
Reduced prices or lower rates are offered to individuals who are 50 years old or older
Hartford may not be the most affordable option for small public relations businesses with tight budgets
The Hartford is a well-known insurance company in business for over 200 years. They provide personalized customer service and have a team of experienced agents who can help businesses find the right coverage for their needs.
Best for: Established public relations businesses seeking reliable and comprehensive coverage options
Average cost: $100 per month
Our rating: 10/10
Has affordable insurance solutions, with monthly policies starting at $20
Immediate data analysis to enhance the satisfaction of customers
Fast and easy quotes: Getting a quote with Tivly is fast and easy. You simply enter some basic information about your business, and you can get a quote in minutes
Tivly is a relatively new player in the insurance market, and some customers may prefer to work with more established providers
Tivly is an insurance technology company that specializes in providing business insurance products. Their mission is to make insurance simple, transparent, and accessible to all businesses. Call a representative now to compare quotes over the phone.
Best for: Comparing paintball insurance quotes over the phone
Average cost: $20 per month
Our rating: 9/10
Offers flexible insurance policies that can be purchased by the hour, day, or month, providing coverage only when needed
They have a model plan that can be easily adjusted to accommodate different levels of growth
Their coverage options may not be as comprehensive as some other providers in the market
Thimble is an insurance provider that offers on-demand coverage for small businesses and self-employed professionals. This company allows you to avail general liability insurance as a short-term policy that lasts for hours, days, weeks, or months.
Best for: On-demand insurance policies
Average cost: $60 per month
Our rating: 9/10
You can get a discount of up to 5% if you purchase two or more products from Hiscox
The company has a solid financial rating, which can provide peace of mind to customers
Typically, only businesses with a maximum of 10 employees can qualify for business owners' policies
Hiscox is a leading insurance company that offers a variety of insurance products for businesses. With over 100 years of experience, Hiscox is known for providing tailored coverage and exceptional customer service.
Best for: Businesses seeking coverage from a carrier with strong financial backing
Average cost: $59 per month
Our rating: 9/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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