Shoot and shoot syndicate insurance

Policy information

This insurance policy is suitable for people, businesses or shooting syndicates who are looking to cover their public liability for shooting activities. This is not suitable for those looking for personal liability for their guns.

What insurance do I need?

There are two main types of insurance you need if you organise a shoot or shoot syndicate. Both are included in this insurance policy.

Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a member of the public was injured by a stray bullet.

The standard limit is £5 million, but it can be extended to £10 million for an additional premium.

Products liability – this covers the club up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.

What is covered?

Shooting syndicates - if you organise a game or deer shooting syndicates, we can arrange the public liability for the days you will be shooting.
Shoot owner / letting shooting days - if you own land upon which you organise your own shooting, we can arrange public liability for your shooting activities.
Shooting instruction - if you provide shooting instruction either as an attendant to a shoot or as part of your own shoot, we can arrange public liability for this.
Gamekeeping - where the shoot employs a gamekeeper throughout the year, we can include this as part of the policy. In most cases, you will be required to include employers’ liability.
Sale of game and venison – we automatically include the sale of either game birds or venison as part of the policy.
We are also able to cover the rearing of game birds, gamekeepers, beaters/loaders and much more.

What is excluded?

Your own personal liability for the use or ownership of a gun
Damage to crops by game birds
Liability for your activities as a sporting agent
Any shoots outside of the UK
Any excess applicable

What optional extras can I add?

Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they be injured while at work. The amount of cover provided is £10 million. It is important that you inform us should you have anybody who assists with the shoot on a voluntary basis.

Personal accident – provides financial compensation should the insured party be injured while carrying out business activities. You can choose from benefits of up to £250 per week. This section includes a lump sum compensation for accidental death, permanent loss of sight and/or limbs and total disablement.

Please note that this does not cover any pre-existing conditions or illness, or any injury sustained whilst commuting to or from work.

Fee paying guests – if you allow participants to join your syndicate for a day or give shooting instruction, we can include the cover for them for the time which they are attend.

Equipment and property – we can cover your organisation’s property and equipment, from small items to large. We are also able to arrange cover for your clay stock, traps and guns, as well as cover for commercial premises, business interruption, theft of money and your home.

Legal expenses - in addition, we can also arrange a legal expenses policy which will give you assistance and advice for licensing disputes, noise complaints and much more. Find out more.

How much are the policy excesses?

The following excesses are applicable to the business policy only.

Liability excesses

Public liability
• Third party injury – nil
• Third party property damage – £100
Products liability – nil
Employers’ liability – nil

Property excesses

Buildings – £250
Contents – £100
Money – £100
Business interruption – nil
All other property claims – £100
Personal accident – first 7 days of incapacity

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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The public liability policy is underwritten by Certain Underwriters at Lloyd’s.

Equipment and property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Key Facts

Combined Liability Policy Wording

Notice to policy holders - September 2024

Legal expenses policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording
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Important information about our direct debit payment option

Insurance terms explained

We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.

Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976

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Mr Alexander Paul, Craigswood Game & Deer Management

Shoot and shoot syndicate insurance

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