Shoot and shoot syndicate insurance

Policy information

This insurance policy is suitable for people, businesses or shooting syndicates who are looking to cover their public liability for shooting activities. This is not suitable for those looking for personal liability for their guns.

What insurance do I need?

There are two main types of insurance you need if you organise a shoot or shoot syndicate. Both are included in this insurance policy.

Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a member of the public was injured by a stray bullet.

The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

Products liability – This covers the business for the same amount as the selected Public Liability if injuries or damages arise as a result of a defective product that your business supplies.

Please note that this does not cover you for the sale of products, please contact us for more information about retail sales.

What is covered?

Clay pigeon clubs, rifle clubs, target gun clubs
Shooting syndicates - if you organise a game or deer shooting syndicates, we can source the public liability for the days you will be shooting.
Shoot owner / letting shooting days - if you own land upon which you organise your own shooting, we can source public liability for your shooting activities.
Shooting instruction - if you provide shooting instruction either as an attendant to a shoot or as part of your own shoot, we can source public liability for this.
Gamekeeping - where the shoot employs a gamekeeper throughout the year, this can be included as part of the policy. In most cases, you will be required to include employers’ liability.
Sale of game and venison – the sale of either game birds or venison is automatically included as part of the policy.
We are also able to source cover for the rearing of game birds, gamekeepers, beaters/loaders and much more.

What is excluded?

Your own personal liability for the use or ownership of a gun
Damage to crops by game birds
Liability for your activities as a sporting agent
Any shoots outside of the UK
Attendees under the age of 16
Shoot exceeding 50 members in attendance
Any excess applicable

What optional extras can I add?

Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance. This will provide cover should a helper get injured and you are deemed liable. The amount of cover provided is £10 million.
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If you have or are thinking about having school age work experience, please contact us.

Professional indemnity – protects your business should you offer professional advice for a fee. For example, advising on training techniques or behavioural issues and it results in either a physical or financial loss. The resultant claims can be covered up to a maximum of £500,000, however lower levels of cover (£100,000 and £250,000) are available at reduced premiums.

Please note, this section does not apply to online courses or banned dog breeds.

Personal accident – provides financial compensation if the insured party is unable to workdue to an injury or illness, lasting for more than 7 days. If you already have a public liability policy through us, you can add this cover to your existing policy.

Please note that this does not cover any pre-existing conditions or illness.

Fee paying guests – if you allow participants to join your syndicate for a day or give shooting instruction, we can include the cover for them for the time which they are attend.

Equipment and commercial buildings – cover for your organisation’s property and equipment. This can include handheld small items to larger pieces of furniture and machinery. We are also able to source cover for commercial premises, business interruption and theft of money. Please contact us to request a proposal form for any equipment and property cover.

Legal expenses - in addition, we can also arrange a legal expenses policy which will give you assistance and advice for licensing disputes, noise complaints and much more. Find out more.

How much are the policy excesses?

The following excesses are applicable to the business policy only.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
Products liability – nil
Employers’ liability – nil

Property excesses

Buildings – £250
Contents – £100
Money – £100
Business interruption – nil
All other property claims – £100
Personal accident – first 7 days of incapacity

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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The public liability policy is underwritten by Aspen Managing Agents Ltd, syndicate 4711.

Equipment and property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Key Facts

Combined Liability Policy Wording

Legal expenses policy is underwritten by ARAG Legal Expenses Insurance Company Limited.

Legal Expenses Policy Wording
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Important information about our direct debit payment option

Insurance terms explained

We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.

Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976

“I really do appreciate good service from any company I deal with especially personal service instead of dealing with some computer programme."

Mr Alexander Paul, Craigswood Game & Deer Management

Shoot and shoot syndicate insurance

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