Despite the name, gun club insurance covers a wide variety of firearm establishments and sports. Each activity or location involves different risks and dangers. Therefore, the insured should consider them and their exposures when purchasing the best product available.
Gun ranges have a significant number of hazards. However, owners determining gun range risk management find different dangers between indoor and outdoor areas. For instance, indoor ranges are attractive to novice participants, who are more likely to suffer self-inflicted injuries. Meanwhile, there is a greater chance of harming people outside the premise in an outdoor range.
Clay and Trapshooting
Sports that involve firearms such as clay shooting and trapshooting have unique risks that an insurance plan can cover. Trapshooting has the target moving away from the shooter, which can injure uninvolved parties. Meanwhile, in clay shooting, participants hit approaching targets, which creates the risk of the projectiles and their debris hitting shooters and nearby attendants.
Passive establishments like retail gun stores also have unique exposures. Like many businesses, they are vulnerable to property damage, theft and other crimes. Additionally, these stores are held liable if they break regulations and restrictions when selling firearms, ammunition or other products. An insurance policy can cover the crime loss, legal costs and more.
The storage, sale and handling of firearms creates different hazards depending on the business. Gun club insurance adapts to each client’s needs, protecting them from financial damage.