Paintball Insurance

What does paintball insurance cover?

Insurance packages can be made up of different types of cover including:

• Public liability cover – To protect you financially against the cost of injury or damage compensation claims and the legal fees
• Employers’ liability insurance – Generally a legal requirement if you employ people, including part-time employees. The compulsory minimum level of cover is £5 million, although some exemptions apply, including in certain circumstances where the only employees are close family members
• Commercial vehicle cover – May be needed if you have a vehicle you use for your business, as standard vehicle insurance may not provide cover for commercial use
• Commercial buildings and contents insurance – If you have a building (such as a visitor’s centre or storage unit), this covers the building and contents such as equipment stored in the building
• Business interruption – Can help protect your income and cover certain additional costs if your business is unable to operate following an insured event, such as fire or flooding
• Personal accident cover – Can provide specified benefits if you suffer certain injuries as a result of an accident, helping to provide financial support if an injury affects your ability to work.

What isn't covered

It is important to discuss the exact exclusions listed on any policy, as these could affect your ability to make a claim. For example, some policies exclude claims for injuries to a participating player (such as twisted ankles or close-range hits) and may only protect spectators or third parties. Discuss the details with your broker before deciding on your paintball business insurance.