Skeet And Trap Shooting Range Insurance

Skeet and trap shooting ranges provide enthusiasts with a safe and controlled environment to practice and improve their shooting skills. While these ranges offer valuable services, they also face a unique set of risks and liabilities. To protect their businesses from potential financial losses that, in the worst case, can lead to having to stop operating altogether, it’s essential for owners and operators to secure the appropriate insurance coverage.

Who Needs Skeet And Trap Shooting Range Insurance?

Any business or organization operating a skeet and trap shooting range should consider obtaining insurance coverage. This includes ranges that offer services to the general public, as well as those operated by clubs, associations, or private groups.

Securing insurance is essential in protecting businesses from potential financial setbacks resulting from accidents, property damage, and other unforeseeable circumstances that may occur during their operations.

Types of Insurance Needed by Skeet And Trap Shooting Ranges

Skeet and trap shooting ranges should consider the following insurance policies to adequately protect their businesses:

General Liability Insurance: This policy provides coverage for claims arising from bodily injury, property damage, or personal and advertising injury that may occur during business operations.
Premises Liability Insurance: This policy is specifically designed to cover accidents that occur on the property of the shooting range, such as slips and falls or injuries sustained by those using it.
Commercial Property Insurance: This coverage protects the physical assets of the business, including buildings, equipment, and inventory, in case of damage or loss due to things like fire, theft, or vandalism.
Workers’ Compensation Insurance: This policy covers employees in the event of work-related injuries or illnesses.
Commercial Auto Insurance: If the range operates vehicles for business purposes, this policy protects against accidents, property damage, and bodily injury.
Pollution Liability Insurance: This coverage is essential for ranges that generate lead or other pollutants as a byproduct of their operations, protecting against claims related to environmental damage.

How Much Does Skeet And Trap Shooting Range Insurance Cost?

The cost of insurance for a skeet and trap shooting range can vary depending on various factors such as the location of the range, size of the range, number of employees, coverage limits, and the insurer’s underwriting criteria.

For instance, the cost of a General Liability Insurance policy for small ranges typically varies from $67 to $99 per month, based on standard coverage limits of $1,000,000/$2,000,000.

Skeet And Trap Shooting Range Risks & Exposures

Shooting ranges specializing in skeet and trap shooting encounter a specific range of hazards and exposures that have the potential to cause financial losses. Among the common risks that these ranges may face are:

Accidents and Injuries: Patrons or employees may be injured due to firearm accidents, slips and falls, or other incidents on the premises.
Property Damage: Damage to the range’s property or neighboring properties may occur as a result of accidents or natural disasters.
Theft and Vandalism: Firearms, equipment, and other valuable assets may be subject to theft or vandalism.
Environmental Hazards: The use and disposal of lead and other pollutants generated by the range’s operations can lead to environmental damage and regulatory fines.
Legal Liability: The range may face legal liability for injuries or damages sustained by patrons or third parties, which can result in costly lawsuits and settlements.

Commercial Insurance And Business Industry Classification

SIC CODE: 7999 Amusement And Recreation Services, Not Elsewhere Classified
NAICS CODE: 713990 All Other Amusement and Recreation Industries
Suggested Workers Compensation Code(s): 9180 Club – Shooting & Drivers