General Liability Insurance for Gun Ranges

Insurers classify gun ranges as a high-hazard risk, and for good reason. Off-the-shelf business owner policies (BOPs) commonly carry firearms exclusions, assault-and-battery exclusions, or sub-limits that quietly gut your coverage exactly where a range is most vulnerable. A range owner who buys a generic policy online often discovers the gap only after a claim is denied.

We solve this by placing your general liability with carriers who specialize in shooting sports. That means the firearms exposure is contemplated in the policy form and the pricing—rather than excluded or mispriced. It also means your agent understands the difference between a negligent-discharge claim and an ordinary premises-liability claim, and structures coverage accordingly.

General liability is the foundation, but it is rarely sufficient on its own. Most ranges layer it with commercial property, workers’ compensation, and—critically for indoor facilities—lead/pollution coverage. We build these into a single coordinated program so there are no gaps where one policy assumes another is responding.

We also right-size your limits. A small outdoor club has very different exposure than a multi-lane indoor range with a busy retail counter and a training academy. We assess your actual operations and recommend primary limits, then add umbrella/excess coverage when your contracts, lenders, or risk profile call for it.