Shooting club insurance

Policy information

This shooting club insurance policy is suitable for those who run clay pigeon clubs, rifle and target gun clubs. It is not suitable for those looking to cover personal liability for the use of firearms.

What insurance do I need?

There are two main types of insurance you need if you run a shooting club. Both are included in this shooting club 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 stray bullet damaged a member’s car.

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 a member or guest were to be injured or their property damaged as a result of a defective product that the club had supplied.

What is covered?

Clay pigeon clubs, rifle clubs, target gun clubs, lectures and education visits on and off site and shoot instruction.

What is excluded?

Personal liability for the use of firearms
Any activities outside of the United Kingdom
Any excess applicable
Any shoot with more than 50 guns in attendance

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 suffer an injury while at work. The amount of cover provided is £10 million.

Personal accident – provides financial compensation if the insured party is unable to work due to an injury or illness, lasting for more than 7 days. If you already have a public liability policy with us, you can either add this cover to your existing policy or consider our stand-alone Cliverton Protect policy, to which you can also add sickness cover and offers benefits like 24/7 worldwide overage. We can offer various levels of cover to suit you and your business so please either call or email the team to discuss your options.

Please note that this does not cover any pre-existing conditions or illness.

Professional indemnity – protects the club should you offer professional advice for a fee, such as shooting instruction, and it results in either a physical or financial loss. The resultant claims can be covered up to a chosen limit of either £100,000, £250,000 or £500,000.

Fee-paying guests – protection for an individual attending the shoot on a one-off basis who does not hold their own public liability insurance for the use of a rifle or shotgun.

Equipment and property – we can cover your club 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 additional cover for commercial premises, business interruption, theft of money and your home.

Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. 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

Thank you for all your help with this. A real breath of fresh air after the poor service level we've been receiving from our previous brokers.

Mike Coughtrey,
Wingrave & Rowsham Clay Pigeon

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