Paintball Arena Business Insurance
Getting insurance for your paintball arena is essential.
Paintball arenas need to be protected against things like personal injury, property damage, and trademark infringement.
For example, a customer could be hurt while playing paintball at your facility, or a company vehicle could get into an accident and cause property damage.
We’ll help you find the most personalized and affordable coverage for your unique business.
Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.
Best Insurance for a Paintball Arena Business
General liability insurance is — generally speaking — one of the most important insurance policies for paintball arenas.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
However, because paintball arenas face many risks that liability insurance doesn’t cover, consider the following additional policies as a supplement:
- Professional liability insurance to cover your costs if someone sues you for professional negligence
- Workers’ compensation insurance to cover your employees if they are sick or hurt on the job
- Data breach insurance for any cyberattacks you may face
- Commercial auto insurance if your business uses any vehicles to travel to clients’ places of business.
To choose an insurance provider, first identify which of the following categories of business insurer is right for your paintball arena:
- Traditional brick-and-mortar insurers
- Online insurers
We recommend online insurers like Tivly and Next over traditional providers for most small businesses. Online insurers can offer the same coverage for a much lower cost because they have lower overhead, plus they often have lower turnaround times.
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Cost of General Liability Insurance
The average paintball arena in America spends between $400-$1,100 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a paintball arena business to other professional industries using the graph below.
Several factors will determine the price of your policy. These include your:
- Location
- Deductible
- Number of employees
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
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Common Situations That General Liability Insurance May Cover for a Paintball Arena Business
Example 1: During a match, a wall falls on a player and they are taken to the hospital for evaluation. General liability insurance would likely cover medical treatment associated with any injuries sustained in the accident.
Example 2: When setting up a paintball gun for a customer, an employee accidentally punctures a carbon dioxide cylinder’s seal without properly securing the cylinder. The cylinder takes off like a missile and strikes a customer in the back of the head, knocking them to become unconscious. General liability insurance would likely cover any medical bills or a lawsuit filed over the accident.
Example 3: A team of paintballers drives some distance and books a hotel for a special tournament, only to find that the tournament has been canceled on the day of. They file a false advertising lawsuit seeking compensation for the travel costs incurred. General liability insurance would probably cover the lawsuit.
Other Types of Coverage Paintball Arena Businesses Need
While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:
Commercial Property Insurance
Paintball arenas need commercial property insurance to protect their buildings and other physical assets. The insurance can be used to insure buildings, secondary structures, equipment, and supplies.
When selecting a commercial property policy, make sure the policy provides coverage for all of your arena’s structures and equipment. This includes any features you’ve built in the combat area as well as any equipment that’s rented or supplies that are sold to customers.
Commercial property insurance is commonly purchased as part of a business owner’s policy (BOP).
Workers Compensation Insurance
Most paintball arenas have employees and therefore need workers compensation insurance. Workers compensation insures against job-related injuries, which employees who participate in paintball competitions are at an increased risk for. Most states require businesses that have employees to carry the coverage.
Product Liability Insurance
Assuming your paintball arena sells or rents paintball guns, paintballs, and safety equipment, the business should have product liability coverage. This coverage protects against lawsuits arising from accidents caused by malfunctioning equipment that a business sells or rents.
Product liability coverage can be acquired as a standalone policy or as part of a package policy.
Commercial Umbrella Insurance
Commercial umbrella insurance gives businesses additional liability protection. The coverage acts as a secondary form of liability coverage, covering claims after any underlying policies’ limits have been reached.
Because paintball is a potentially dangerous activity that can result in severe injury or death, commercial umbrella insurance is a coverage that you may want. If your business ever faces a major lawsuit as a result of a terrible accident, the coverage could help with legal and other costs.
Commercial umbrella insurance can be acquired as a standalone policy or as part of a package policy.
Additional Steps To Protect Your Business
Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.
Here are several things you can do to better protect your paintball arena business:
- Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
- Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
- Stay up to date with business licensing.
- Maintain your corporate veil.
Paintball Arena Business Insurance FAQ
Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.
A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.
"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.
Yes. It is important to proactively protect your legal business with business insurance to guard against the many risks you can face. Otherwise, your paintball arena's long-term financial health will be threatened.
Additionally, it is essential that you confirm whether companies in your state are required to carry specific business insurance policies (e.g., workers’ compensation or commercial auto insurance).
Not necessarily. Certain exceptions may be written directly into your paintball arena business insurance policy, and some perils may be entirely uninsurable.
Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.
An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.