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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
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