Shooting club insurance

Policy information

This shooting club insurance policy is suitable for those who run clay pigeon clubs, rifle and target gun clubs. It is not suitable for those looking to cover personal liability for the use of firearms.

What insurance do I need?

There are two main types of insurance you need if you run a shooting club. Both are included in this shooting club 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 stray bullet damaged a member’s car.

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, lectures and education visits on and off site and shoot instruction.

What is excluded?

Personal liability for the use of firearms
Any activities outside of the United Kingdom
Any excess applicable
Any shoot with more than 50 guns in attendance

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.

Personal accident – provides financial compensation if the insured party is unable to work due 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.

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.

Fee-paying guests – protection for an individual attending the shoot on a one-off basis who does not hold their own public liability insurance for the use of a rifle or shotgun.

Events, shows and fundraising – we can cover one-off and multiple events, shows and fundraising in connection to your business. We automatically include five events free of charge. Should you require more, there will be an additional charge.

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 - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.

How much are the policy excesses?

The following excesses are standard policy excesses. However, pleaserefer to your schedule for specific excesses for your policy.

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

Thank you for all your help with this. A real breath of fresh air after the poor service level we've been receiving from our previous brokers.

Mike Coughtrey,
Wingrave & Rowsham Clay Pigeon

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