Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
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 paintball business insurance coverage.
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 and damage
In this article, 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.
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 paintball business insurance can come in handy include:
The coverage limit for bodily injury and property damage liability is between $500,000 to $1,000,000 per occurrence. The aggregate limit is between $1,000,000 to $2,000,000 per policy period.
| 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 |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Deductible | $0 | $0 | $0 | $0 | $0 |
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.
| 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 |
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, liability insurance for paintball field can protect business owners from liability claims arising from accidents or incidents that cause bodily injury or property damage to third parties.
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.
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.
A BOP typically includes two main types of coverage:
| 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 |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
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.
Get all the best quotes from leading providers in a click of a button!
For paintball businesses, this paintball business insurance 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:
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.
The average paintball business insurance cost is $80 per month or $960 per year for a $1 million general liability insurance. Factors that affect paintball insurance cost premiums are claims history, business history, policy limits, and deductibles.
| 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 |
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.
Average cost: $50 per month
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.
Average cost: $50 per month
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.
Average cost: $100 per month
Get all the best quotes from leading providers in a click of a button!
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.
Average cost: $20 per month
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.
Average cost: $60 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
