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Paintball Insurance: Cost & Quotes From $33/mo

Table of contents
1. General Liability Insurance for Paintball Businesses1.1. Coverage Limits of General Liability Insurance for Paintball Businesses1.2. Add-Ons to General Liability Insurance for Paintball Businesses1.3. What is the Deductible for This Insurance?2. Professional Liability Insurance for Paintball Businesses2.1. Add-Ons to Professional Liability Insurance for Paintball Businesses2.2. Do Paintball Businesses Need Professional Liability Insurance?3. Public Liability Insurance for Paintball Businesses3.1. Coverage Limits of Public Liability Insurance for Paintball Businesses3.2. Is Public Liability Insurance Mandatory for Paintball Businesses?4. Commercial Property Insurance for Paintball Businesses4.1. Specific Situations Where This Insurance Can Help4.2. Add-Ons to Commercial Property Insurance for Paintball Businesses5. Business Owner's Policy (BOP) for Paintball Businesses5.1. Coverage Limits of Business Owner's Policy (BOP) for Paintball Businesses5.2. Add-Ons to Business Owner's Policy (BOP) for Paintball Businesses6. Tools and Equipment Insurance for Paintball Businesses6.1. Coverage Limits of Tools and Equipment Insurance for Paintball Businesses6.2. Specific Situations Where This Insurance Can Help:6.3. Add-Ons to Tools and Equipment Insurance for Paintball Businesses6.4. What Types of Tools and Equipment Are Covered Under Tools and Equipment Insurance for Paintball Businesses?7. Commercial Auto Insurance for Paintball Businesses7.1. Components of Commercial Auto Insurance for Paintball Businesses:7.2. Specific Situations Where This Insurance Can Help8. Accidental Medical Insurance for Paintball Businesses:8.1. Specific Situations Where This Insurance Can Help:8.2. Is Accidental Medical Insurance Mandatory for Paintball Businesses?9. Workers' Compensation Insurance for Paintball Businesses9.1. Is Workers’ Compensation Insurance Mandatory for Paintball Businesses?10. Paintball Business Insurance Cost11. Best Paintball Insurance Companies11.1. NEXT Paintball Insurance  11.1.1. Pros11.1.2. Cons11.2. CoverWallet Paintball Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Paintball Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Paintball Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble Paintball Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox Paintball Insurance 11.6.1. Pros11.6.2. Cons

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.

General Liability Insurance for Paintball Businesses


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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.


Coverage Limits of General Liability Insurance for Paintball Businesses

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.


Add-Ons to General Liability Insurance for Paintball Businesses

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.


What is the Deductible for This Insurance?

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.


Professional Liability Insurance for Paintball Businesses


CoverWallet (Best)NEXT Thimble HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
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.


Add-Ons to Professional Liability Insurance for Paintball Businesses

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 


Do Paintball Businesses Need Professional Liability Insurance?

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 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, 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.


Coverage Limits of Public Liability Insurance for Paintball Businesses

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.


Is Public Liability Insurance Mandatory for Paintball Businesses?

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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Commercial Property Insurance for Paintball Businesses


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedIncludedExcluded
Accounts receivable ExcludedExcluded$5,000/$10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedIncludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedIncludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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.


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons to Commercial Property Insurance for Paintball Businesses

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


Business Owner's Policy (BOP) for Paintball Businesses


CoverWalletNEXT (Best)Thimble HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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.


Coverage Limits of Business Owner's Policy (BOP) for Paintball Businesses

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 


Add-Ons to Business Owner's Policy (BOP) for Paintball Businesses

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


Tools and Equipment Insurance for Paintball Businesses


NEXT ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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. 


Coverage Limits of Tools and Equipment Insurance for Paintball Businesses

The coverage limits for tools and equipment insurance  is $2,500-$5,000 per item scheduled in the policy. Higher limits are available. 


Specific Situations Where This Insurance Can Help:

  • 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


Add-Ons to Tools and Equipment Insurance for Paintball Businesses

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


What Types of Tools and Equipment Are Covered Under Tools and Equipment Insurance for Paintball Businesses?

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 for Paintball Businesses

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.


Components of Commercial Auto Insurance for Paintball Businesses:

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


Specific Situations Where This Insurance Can Help

  • 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 for Paintball Businesses:

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.


Specific Situations Where This Insurance Can Help:

  • 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


Is Accidental Medical Insurance Mandatory for Paintball Businesses?

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 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. 


Is Workers’ Compensation Insurance Mandatory for Paintball Businesses?

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.

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Paintball Business Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest For
Tivly$20$240Comparing paintball insurance quotes over the phone
NEXT$50$600Best overall; Fastest general liability insurance for paintball businesses
CoverWallet$50$600Comparing paintball insurance quotes online
Hiscox$59$708Businesses seeking coverage from a carrier with strong financial backing
Thimble$60$720On-demand insurance policies
The Hartford$100$1,200Established public relations businesses seeking reliable and comprehensive coverage options

Compare Cheap Paintball Insurance Quotes Online

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Best Paintball Insurance Companies

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.


NEXT Paintball Insurance 

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 policies 

Cons

  • 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


CoverWallet Paintball Insurance

Pros

  • 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

Cons

  • 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


The Hartford Paintball Insurance

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

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


Tivly Paintball Insurance

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

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


Thimble Paintball Insurance

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

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


Hiscox Paintball Insurance

Pros

  • 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

Cons

  • 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


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