Shooting Range Insurance Policy Information
Shooting Range Insurance.Shooting ranges - also called a gun ranges or firing ranges - are not merely facilities where firearms enthusiasts hone their skills and compete against one another, but also excellent venues for those people who want to learn how to use a gun.
Shooting ranges provide facilities for customers to practice shooting at targets with various types of firearms. Ranges may be indoor or outdoor, public or private. Lessons are often offered to beginners or advanced lessons offered to more experienced shooters.
Equipment can be sold or rented, and repair services may be available. All federal and state laws regarding background checks on gun purchases must be followed.
Tournaments may be held on premises. Gun tourism has become very popular, particularly with visitors whose home countries bar civilians from owning automatic, semiautomatic, or other weapons.
While shooting ranges can be indoors or outdoors, both types rely on tightly controlled conditions to ensure the safety of their members as well as the general public. Specialized equipment such as target retrieval systems and alarm systems are also invaluable for gun ranges.
Do you own and operate a shooting range, or is opening a firing range a long-term business goal for you? Shooting ranges can be thriving businesses, as well as playing an essential role in promoting responsible gun ownership.
A firing range also, however, faces a multitude of risks. That is why it is crucial to know what kinds of insurance a shooting range should carry to protect its financial health. To find out what that may entail, keep reading.
Shooting range insurance protects your facility from lawsuits with rates as low as $87/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked shooting range insurance questions:
- What Is Shooting Range Insurance?
- How Much Does Shooting Range Insurance Cost?
- Why Do Shooting Ranges Need Insurance?
- What Type Of Insurance Do Shooting Ranges Need?
- What Does Shooting Range Insurance Cover & Pay For?
What Is Shooting Range Insurance?
Shooting range insurance is a type of liability insurance designed specifically for businesses that operate shooting ranges.
This insurance provides coverage for accidents, injuries, or damage that may occur on the shooting range. The coverage may include protection for liability arising from third-party lawsuits, property damage, and medical expenses for any injured parties.
This insurance is essential for shooting range owners, as it protects their financial interests and assets in the event of any unexpected accidents or incidents that may occur on their property.
How Much Does Shooting Range Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small shooting clubs ranges from $87 to $129 per month based on location, membership size, revenue, claims history and more.
Why Do Shooting Ranges Need Insurance?
Gun ranges need insurance for the same reasons as any other commercial venture - to meet their legal obligations, to satisfy lender conditions, and to protect themselves against catastrophic financial consequences in the event that their business is impacted by a major peril.
Because of the unique risk profile associated with the presence of firearms, however, it can be challenging for shooting ranges to obtain the right coverage, even though they do everything in their power to render their business both safe and responsible.
Partnering with an insurer who specializes in the firearms industry will typically prove to be the best choice.
Gun ranges do not only face firearms-related perils, of course, such as scenarios in which a guest or employee is injured (including as a result of noise exposure) or a firearm is stolen.
Like other businesses, shooting ranges also have to consider the possibility that they could be impacted by an act of nature, such as a wildfire, earthquake, or hurricane. Important equipment may break down and urgently need to be replaced or repaired.
Cyber criminals could breach a gun range's digital assets, stealing their customers' credit card details - a modern threat that could result in costly litigation.
In the case of outdoor shooting ranges, environmental liability is another unique hazard that should always be taken into account.
By investing in a comprehensive shooting range insurance program, firing ranges can rest assured that their business has the best chance of recovering, even in the face of disaster.
What Type Of Insurance Do Shooting Ranges Need?
Shooting ranges will need to carry several types of insurance. The exact nature of your insurance needs is determined by factors that include the location of your shooting range, whether you run an outdoor or indoor facility, how many employees you have, and the size of your operation.
Although shooting ranges will often find that it is most effective to obtain all their insurance policies from the same insurer, it is vital to consult a commercial insurance broker who is deeply familiar with the firearms industry.
They can offer you advice and help you craft a shooting range insurance plan perfect for your needs. With that in mind, some of the most important types of insurance for shooting ranges include:
- Commercial Property - This type of insurance protects your business from financial losses arising from property damage or loss caused by perils such a theft, vandalism, and acts of nature. It protects not only your physical building, but also the assets inside.
- Workers Compensation - Carrying workers' comp protects your workers if they suffer an occupational injury or illness (such as hearing loss due to noise exposure), as it covers their medical expenses and any lost income. In the gravest of events, workers' comp also offers death benefits. Employers, meanwhile, gain protection from litigation and fines.
- Commercial General Liability - If someone were to file a bodily injury or property damage claim, general liability coverage covers a substantial portion of your legal defense costs, as well as settlement fees. This pertains to situations such as someone tripping on a wet floor, or accidental vehicle damage caused by an employee. Shooting ranges will also, however, require more specialized liability insurance, offered by niche insurers.
- Cyber Security - This kind of shooting range insurance shields you from financial costs relating to the theft and malicious use of your electronic assets, including publicizing your members' names and addresses.
These are merely examples of the kinds of coverage a firing range should have on their radar as they evaluate how best to protect their financial interests from the many perils they could face. Speak with a commercial insurance broker to discuss your shooting range insurance options in detail.
Shooting Range's Risks & Exposures
Premises liability exposures are high due to the number of visitors to the premises and the type of activity. Shooters and other visitors can trip, slip or fall, be struck by flying bullets, or inhale lead dust from fired ammunition. The facility should have adequate ventilation.
Protective ear wear and eyewear should be required of all visitors while on the shooting range. Adequate safeguards, such as barriers preventing access to the shooting range while in use, are mandatory to protect spectators and participants from danger while shooting is being done.
The supervision of minors at the range is extremely important. Background checks should be made for any employee supervising the activities of minors. If weapons are rented for practice shooting, the range must supervise the guest to be sure the weapons are being properly used.
If tournaments or competitions are sponsored or held on premises, there must be adequate security to enforce safe operations. If classes are offered, instructors should be educated to promote safe shooting practices.
Products liability exposure comes from the sale and repair of weapons and ammunition. The sale of used or reconditioned weapons increases the potential for loss due to the danger of misloading, reloading, or misfiring.
Workers compensation exposure is from being hit with projectiles, slips, falls, sprains and strains, hearing loss from noise, and inhaling lead dust. The facility must have adequate ventilation. Employees must be well trained and wear safety equipment, including ear and eye protection, while on shooting ranges.
Cuts, burns, contact dermatitis, or respiratory ailments may result from making repairs to weapons. As firearms and ammunition are target items for thieves, employees can be injured in the event of a robbery.
Property exposures are limited if all shooting is done outdoors and firearms and ammunition are not stored on the premises. The exposure for indoor ranges varies from very low to very high, depending on whether firearms and ammunition are stored in the building due to the potential for explosion or theft.
Ignition sources include electrical wiring, heating, and air conditioning, and overheating of equipment. Many shooting ranges are located in rural locations with fire services located some distance from the property. On-site protection such as a smoke detector, fire extinguishers, and a fire alarm is recommended.
If there is a snack bar or restaurant, all cooking equipment must be properly controlled.
Ammunition and gunpowder should be locked and stored away from flammables. If guns, rifles, other firearms, and accessories are sold or repaired, security systems must be in place to prevent theft. To reduce the exposure to vandalism, the premises should be protected against unauthorized access after hours.
Business income loss potential may be significant if there are no backup facilities available.
Crime exposure is from employee dishonesty and money and securities. Criminal background checks should be required for all employees as the black market for guns can tempt clerks to steal merchandise for special customers. Controls must be in place in every area. Ordering and inventory must be monitored and carefully supervised.
Inland marine exposure is from accounts receivables if the range bills customers for services, computers, and valuable papers and records for customers' and suppliers' information. If the shooting range stores equipment of customers or members or offers repair services, bailees customer coverage should be considered.
Any portable equipment, such as outside targets, should be covered with a commercial articles floater. There may be contractors' equipment used for maintaining the grounds. Backups of all data should be kept off premises for easy restoration after a loss.
Business auto exposure is generally limited to hired non-owned for employees running errands. If there are owned vehicles, they must be maintained on a regular basis with all service documented. MVRs must be ordered regularly on all drivers.
What Does Shooting Range Insurance Cover & Pay For?
Shooting ranges may face various lawsuits for a variety of reasons. Some common reasons shooting ranges may be sued include:
Personal Injury: A person may get injured while using the shooting range due to various reasons like equipment malfunction, poor maintenance, inadequate safety measures, or negligent behavior of the range staff. In such cases, the injured person may file a personal injury lawsuit against the shooting range.
Property Damage: Shooting ranges involve the use of firearms, and a stray bullet may damage nearby property or buildings. In such cases, the property owner may file a lawsuit against the shooting range for damages.
Noise Pollution: Shooting ranges can generate significant noise pollution that can disrupt nearby communities. In some cases, the noise may be so excessive that it causes hearing damage to nearby residents, leading them to file a lawsuit against the shooting range.
Environmental Damage: The use of lead bullets can lead to lead contamination of the surrounding soil, water, and air. In some cases, local or state authorities may sue the shooting range for violating environmental regulations.
To protect against these types of lawsuits, shooting ranges can obtain liability insurance coverage. Liability insurance typically covers legal fees, court costs, and damages that shooting ranges may be required to pay if they are found liable for causing injury, property damage, or environmental harm.
For example, if someone is injured while using a shooting range, the shooting range's liability insurance would cover the legal fees associated with defending the lawsuit, as well as any damages that may be awarded to the injured party.
Similarly, if a shooting range is sued for environmental contamination caused by lead bullets, liability insurance would cover the legal costs and any damages awarded to the plaintiff.
Overall, liability insurance is an essential protection for shooting ranges, as it can help mitigate the financial risks associated with lawsuits that arise from the operation of the shooting range.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7997 Membership Sports And Recreation Clubs
- NAICS CODE: 713990 All Other Amusement and Recreation Industries
- Suggested Workers Compensation Code(s): 9180 Club - Shooting & Drivers
Description for 7997: Membership Sports And Recreation Clubs
Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation
7997 Membership Sports And Recreation Clubs: Sports and recreation clubs which are restricted to use by members and their guests. Country, golf, tennis, yacht, and amateur sports and recreation clubs are included in this industry. Physical fitness facilities are classified in Industry 7991.
- Aviation clubs, membership
- Baseball clubs except professional and semiprofessional
- Bathing beaches, membership
- Beach clubs, membership
- Boating clubs, membership
- Bowling leagues or teams, except professional and semiprofessional
- Bridge clubs, membership
- Club, membership: sports and recreation, except physical fitness
- Country clubs, membership
- Flying fields maintained by aviation club
- Football club, except professional and semiprofessional
- Golf clubs, membership
- Gun clubs, membership
- Handball clubs, membership
- Hockey clubs, except professional and semiprofessional
- Hunt clubs, membership
- Racquetball clubs, membership
- Recreation and sports club, membership: except physical fitness
- Riding clubs, membership
- Shooting clubs, membership
- Soccer clubs, except professional and semiprofessional
- Sports and recreation clubs, membership: except physical fitness
- Swimming clubs, membership
- Tennis clubs, membership
- Yacht clubs, membership
Shooting Range Insurance - The Bottom Line
To protect your operations, employees and customers, having the right shooting range insurance coverage is vital. To discover what options are available to your firing range, how much coverage you should invest in - and the cost - speak to a reputable commercial insurance agent.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Amusement Parks
- Archery Ranges
- Athletic Fields
- Billiard And Pool Halls
- Bowling Alleys
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Motorsports Racetracks
- Photo Booth
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Sakting Rinks
- Shooting Ranges
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Talent Agency
- Tennis Centers
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
The arts and recreation industry is a vital part of our society and culture, providing entertainment and enjoyment for people of all ages. However, as with any business, there are inherent risks and potential liabilities that can arise. This is where insurance comes into play.
One of the main reasons the arts and recreation industry needs insurance is to protect against financial losses due to accidents or injuries. For example, if a performer is injured while rehearsing or performing, their medical bills and lost wages could be significant. Without insurance, the cost of these expenses could potentially bankrupt a small arts organization.
In addition to protecting against accidents and injuries, business insurance can also cover damages or losses due to weather events, natural disasters, and other unexpected circumstances. For example, if a theater is forced to cancel a performance due to a power outage or extreme weather, insurance can help cover lost income and expenses.
Another important aspect of commercial insurance for the arts and recreation industry is liability coverage. This type of insurance can protect against legal claims and lawsuits if someone is injured or becomes ill while attending an event or using facilities. For example, if a patron slips and falls at a theater, they may file a lawsuit against the venue for damages. Liability insurance can help cover the costs of legal fees and any settlement or judgement.
Overall, the arts and recreation industry needs insurance to protect against financial losses and legal liabilities that can arise in the course of business. Without commercial insurance, small arts organizations and recreational facilities could be vulnerable to financial ruin in the face of unexpected events or accidents.
Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.