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.Â
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 damageÂ
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.
General Liability Insurance for Paintball Businesses
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:
- 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.
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 for Paintball Businesses
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. Â
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 for Paintball Businesses
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.
Business Owner’s Policy (BOP) for Paintball Businesses
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:
- 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 millionÂ
| 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 for Paintball Businesses
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.Â
The coverage limits for tools and equipment insurance is $2,500-$5,000 per item scheduled in the policy. Higher limits are available.Â
Get all the best quotes from leading providers in a click of a button!
Commercial Auto Insurance for Paintball Businesses
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:
- 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
Workers’ Compensation Insurance for Paintball Businesses
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.Â
Paintball Business Insurance Cost
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.
| 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 |
Help others make better decisions
Best Paintball Insurance Companies
NEXTÂ
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
Our rating: 10/10
Pros
- 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 policiesÂ
Cons
- Couldn’t find any
CoverWalletÂ
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
Our rating: 10/10
Pros
- They provide excellent customer service and support, with a dedicated team of insurance advisors available to answer any questions or concerns
Cons
- Some customers have reported delays in processing claims and difficulty contacting customer service during peak periods
The HartfordÂ
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
Our rating: 10/10
Pros
- 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
Cons
- Hartford may not be the most affordable option for small public relations businesses with tight budgets
Get all the best quotes from leading providers in a click of a button!
TivlyÂ
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.Â
Average cost: $20 per monthÂ
Our rating: 9/10
Pros
- 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
Cons
- Tivly is a relatively new player in the insurance market, and some customers may prefer to work with more established providers
Thimble
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.Â
Average cost: $60 per month
Our rating: 9/10
Pros
- 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
Cons
- Their coverage options may not be as comprehensive as some other providers in the market
