Don't take a shot in the dark when it comes to protecting yourself and your club. Here at Cliverton, we can help you understand the risks you may face with bespoke shooting club insurance cover.
GET A QUOTE & BUYWe understand that when it comes to shooting, you want to focus on the thrill of the sport, not the risks. However, despite taking every precaution to ensure the safety of your members and guests, accidents can still happen. That’s why you need shooting club insurance.
Our team can help tailor your policy to fit your needs and meet your specific requirements, whether you’re a shooting club or you offer gun lectures. This means you can focus on hitting your targets and perfecting your aim without worrying about the unexpected.
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.
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 club up to £5 million if a member or guest were to be injured or their property damaged as a result of a defective product that the club had supplied.
Clay pigeon clubs, rifle clubs, target gun clubs, lectures and education visits on and off site and shoot instruction.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million.
Personal accident – provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.
Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.
Professional indemnity – protects the club should you offer professional advice for a fee, such as shooting instruction, and it results in either a physical or financial loss. The resultant claims can be covered up to a chosen limit of either £100,000, £250,000 or £500,000.
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.
Equipment and property – we can cover your club property and equipment, from small items to large. We are also able to arrange cover for your clay stock, traps and guns, as well as additional cover for commercial premises, business interruption, theft of money and your home.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
The public liability policy is underwritten by Certain Underwriters at Lloyd’s.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Notice to policy holders - September 2024
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
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 joined Cliverton with accounts and HR experience but I am loving my new journey in Smallholding insurance. I’ve been around animals all my life and the first thing I wanted to do when I moved out was look after my very own – meet my Spaniel x Lab fur baby Peaches!
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