Hitting the Bullseye: Gun Range Insurance for Your Ohio Business

Owning a gun range in Ohio, Indiana, Michigan, Kentucky, or Pennsylvania is a great way to cater to the growing community of firearms enthusiasts. But along with the thrill of the sport comes the responsibility of safety. While you prioritize a controlled environment, accidents can still happen. That’s where specialized gun range insurance from Hitchings Insurance comes in. 

This blog post goes beyond general firearms insurance (which we’ll cover in a separate blog) and dives into the specific needs of gun range owners, both indoor and outdoor facilities. 

Why Gun Range Insurance is Crucial 

Think of your gun range as a blank canvas. You provide the space, safety equipment, and (potentially) instruction, but the element of human error can’t be entirely eliminated. Gun range insurance protects your business from financial ruin in the event of an unforeseen incident, such as: 

• Accidental bodily injury: A customer or staff member sustaining an injury from a firearm. 
• Property damage: Accidental damage to your own property or a customer’s belongings caused by a firearm. 
• Lawsuits: Even if an accident isn’t your fault, you could still face legal action. Insurance covers legal fees and potential settlements. 

Tailored Gun Range Insurance Coverage for Indoor and Outdoor Ranges 

At Hitchings Insurance, we understand that indoor and outdoor gun ranges have distinct needs. We offer customizable coverage to ensure you’re protected: 

• Indoor Ranges: Your policy might include additional coverage for lead contamination, hearing protection for staff and customers, and potential building damages from ricochets. 
• Outdoor Ranges: Considerations here include weather-related incidents that damage property or injure patrons, as well as potential environmental concerns. 

Beyond the Basics: Additional Gun Range Insurance Coverage Options 

In addition to the core protections, consider these add-on options: 

• Firearm coverage: If you have firearms that are specifically for renting to customers for their visit, this can cover theft or damage to those firearms. 
• Cyber liability: With online booking and customer information storage, data breaches are a growing concern. This coverage can help mitigate the costs associated with a cyberattack. 
• Special events: If you host competitions or training events, ensure you have the proper coverage for these higher-risk scenarios. 

Safety First, Security Follows 

Remember, the best insurance policy is a commitment to safety. Here are some steps you can take to minimize risk: 

• Regular staff training: Ensure your staff is up-to-date on safety protocols and emergency procedures. 
• Thorough customer instruction: Provide clear and comprehensive instruction before anyone uses the range. 
• Maintain your equipment: Regularly inspect and maintain firearms, targets, and safety gear. 

Partnering for Your Peace of Mind 

At Hitchings Insurance, we’re passionate about supporting Ohio, Indiana, Michigan, Kentucky, and Pennsylvania’s business community. We understand the unique challenges faced by gun range owners. Contact us today for a free consultation to discuss your specific needs and craft a customized gun range insurance plan that gives you peace of mind while you focus on fostering a safe and enjoyable shooting experience for your customers. 

NOTE: Our current insurance carriers require businesses with experience, current insurance coverage and it cannot be an at-home operation.