Gun Range Coverage
Shooting Range Liability Insurance
Range-specific liability coverage built around the exposures unique to a firing line—negligent discharge, third-party injury, and the operational risks generic policies refuse to touch.
Shooting range liability goes beyond ordinary premises coverage to address the exposures that exist only because live firearms are discharged on your property. A round that leaves the range, a negligent discharge on the firing line, an injury during a malfunction, or a claim alleging inadequate supervision—these are range-specific risks that demand range-specific coverage.
Contractors Choice Agency structures liability programs around how a range actually operates: the firing line, the staging area, retail, training, and any special events. We place coverage with carriers who price the firearms exposure intentionally, so you aren’t left holding a denied claim because your policy quietly excluded the very thing that makes you a range.
The Exposures That Define Range Risk
No other business shares the gun range’s core exposure: members of the public discharging live firearms under your supervision. A single lapse—an unsupervised lane, a malfunctioning baffle, an inattentive range officer—can produce a catastrophic injury and a seven-figure claim. Range liability insurance is engineered to respond to exactly these scenarios.
Because the exposure is severe, generalist insurers either decline ranges outright or attach exclusions that leave the owner effectively uninsured for their primary risk. We work only with carriers who underwrite this risk deliberately, which is why our clients’ policies hold up when a claim involves the firing line itself.
Pairing Liability With Strong Risk Management
Carriers reward ranges that run tight operations. Documented range rules, certified range safety officers, eye-and-ear requirements, lane-occupancy limits, and incident-reporting procedures all reduce both your claim frequency and your premium. We help you present your risk-management program to underwriters so you get credit for the safety culture you’ve built.
We also coordinate your liability program with your general liability, property, and workers’ comp so coverage triggers cleanly. When an incident occurs on the firing line, the last thing you want is two carriers each arguing the other should respond. A single, coordinated program from one specialty agency prevents that.
What This Coverage Includes
- Negligent discharge claims (where available)
- Third-party bodily injury on the firing line
- Rounds leaving the range / stray projectile claims
- Inadequate supervision allegations
- Assault & battery and intentional-act coverage
- Spectator and guest injury
- Range officer professional exposure
- Defense costs for range-related suits
Who Needs This Coverage
Public Indoor Ranges
Open-to-the-public ranges face the broadest negligent-discharge and supervision exposure of any range type.
Outdoor Tactical Ranges
Drawing, movement, and rapid-fire drills raise the stakes for stray rounds and supervision claims.
Membership Gun Clubs
Member-run ranges still owe a duty of care—and can be sued when a member or guest is injured.
Law Enforcement / Private Ranges
Facilities hosting outside agencies or contractors need liability that follows non-employee shooters.
Questions Answered
Shooting Range Liability Insurance FAQ
Protect Your Range Today
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