Shooting Club Insurance
What's Covered & What's Not
When insuring your business, especially one with unique risks such as a shooting club or organisation, it’s vital to understand exactly what your insurance cover includes, and what it doesn’t.
For more unusual businesses like these, there’s no such thing as a one-size-fits-all solution – there will always be quirks to your commercial insurance. However, there are common parts of this cover that will be consistent between shooting clubs.
So, what exactly is included in shooting club insurance, and what needs to be considered as extra, or excluded?
What is Included in Shooting Club Insurance?
Public liability insurance
Public liability is a core part of any insurance for shooting clubs, as it covers you in the event that a member of the public is injured or has their property damaged as a result of your business. Due to the high-risk nature of game shooting or clay pigeon shooting, this type of cover is essential to ensure your financially protected against the unexpected.
Employer’s liability
If you employ any staff members at your club or range, you legally must have employer’s liability insurance.
This covers you if one of your employees, and for volunteers, is injured or becomes ill because they work for you. For example, if an employee of yours is injured on a game shoot, this type of insurance protects you in the event they wish to take legal action.
Property insurance
As with many other types of commercial insurance, your business premises can be covered along with your shooting club insurance. Make sure you discuss with your broker or insurer the size of your grounds and premises and any quirks that come along with this so that you’re fully covered.
Guns & Equipment Cover
Of course, one of the key components of clay pigeon shooting insurance for clubs is cover for your guns and equipment. Equipment for clubs like these can often be expensive and may be difficult to replace, so when it comes to making sure your covered for any damages or replacement, keep this in mind.
It’s also important to be honest and clear with your insurer when it comes to valuing your equipment as they may ask for this information when putting together a quote.
Accident Cover
It’s something that none of us want to think about when it comes to shooting club insurance – but accidents do happen. If the worst happens and someone is hurt as a result of your business and you need to make a claim, you need to be protected, and you need to be prepared.
Accident cover is a key aspect of insurance for shooting clubs and should not be underestimated.
What’s not included?
For more information on shooting club insurance and how it works, get in touch. At Brown & Brown, our friendly, specialist team are on hand to help with any questions you may have about your business, and the cover you need. We work with many national insurers to protect businesses against the unexpected, from bog-standard risks to unique requirements that you may not have even considered. Just call us on 01458 772780 or Request a Call Back to speak to us today.
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