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What You Need to Know About Archery Insurance
With years of experience in insuring archery ranges and clubs, we can help you find the protection you need.
Who needs archery insurance?
Anyone who relies on archery as a source of income — whether it’s teaching classes, running a range, or leading a club — should have an active archery insurance policy. Examples of people and businesses who can benefit from archery insurance include:
- Public and private archery ranges
- Recreational target shooting facilities
- Instructional target shooting facilities
- Trap, skeet, and sporting clay ranges
- Pro shops that sell bows, firearms, and related equipment
- Archery instructors and coaches
- Bow hunting guides
What does archery insurance cover?
No one archery insurance policy looks the same, and that’s a good thing. Your archery business may be similar to others, but it still has its own differences and quirks that make it unique. Your insurance should reflect that. However, all archery insurance policies generally cover the same things.
- General Liability: This coverage protects your business if a client or guest is injured or your business’ operations cause property or product damage and copyright violation. For example, what if someone slips and falls on your property and breaks an arm? Additionally, this coverage would also protect against accidental discharge because it covers third-party bodily injury and property damage.
- Legal Liability: With legal liability insurance, you can protect against the costs associated with criminal allegations. This coverage helps pay for court-ordered judgments against you and the cost of your legal defense if you face litigation from an injured party.
- Commercial Property: This coverage offers a financial safety net if disaster hits and your site of operations — whether it’s a storefront, range, or combination of both — is damaged by fire, weather, or smoke.
- Commercial Auto: If cars are involved in your day-to-day business operations, commercial auto insurance is vital. Even if it’s a personal vehicle used to shuttle people for guided trips, you’ll need it covered with commercial auto insurance. You can also opt for liability and physical coverage for the vehicle. A specific list of drivers with dates of birth and drivers’ license numbers will be required.
- Workers Compensation: If one of your employees is injured, this insurance can cover the payment of their medical expenses, lost wages, and rehabilitation costs.
How much does archery insurance cost?
Earlier, we mentioned that no one archery insurance policy looks like another. The same can be said for your premium as well. While we can’t give a precise estimate, we can tell you what factors can influence your premiums.
- Your business's location
- Claims history
- Size of operation
- Whether your business is indoors, outdoors, or a combination of the two
- Number of employees
- Your chosen deductible
As an archery insurance professional, I strive to know you and your worries. I spend time listening and learning so I can better help you find solutions.
You’ve worked hard to build your archery business. The next step is to protect it. I can help you by assessing your risks and guiding you through tailoring an insurance policy.
I’d love to chat with you; contact me today!