Gun Clubs and Shooting Ranges
Gun Clubs and Shooting Ranges provide facilities for customers to practice and compete shooting at targets with various types of firearms. Some ranges are indoors and allow shooting primarily with handguns at fairly short ranges. Other facilities may include outdoor facilities that allow for more long range shooting where larger firearms are present. Many facilities offer lessons for beginners and concealed carry classes for people interested in self-defense. Some facilities offer sales of weapons and accessories, rentals of weapons and even repair for damaged weapons. Many facilities offer periodic tournaments and other competitions. Each of these aspects of the business bring with them additional risks. Depending upon the business activities of each individual gun club or shooting range the liability needs for each business can be drastically different.
Workers Compensation Risks for Gun Clubs and Shooting Ranges
As most business owners know, the risks facing a gun shop are very unique to each individual business and industry. The risks of running a gun shop are different then that of a food truck or an accounting firm. Many of the Workers Compensation Exposures at gun clubs and shooting ranges are similar to many facilities open to the public. Slips, trips and falls are common causes of injuries in these facilities. There is an elevated amount of risk when a firearm is involved in one of the accidents. This is because of the severity of an injury when a firearm is involved. Businesses in this industry do not typically have a higher frequency of claims, but the claims do tend to be more severe. Because of the severity of these risks, employees should be well-trained and everyone should be required to wear proper safety equipment including ear and eye protection.
Employees who work in this industry face both short term and long term risks. Ear protection is important to protect the long term hearing health of your staff. Additionally eye protection should be worn at all times when in the presence of live fire. It is wise of a business to provide this safety equipment for the employees and to spend a little extra in order to get safety equipment that is comfortable to wear. Spending additional investment on adequate safety and training programs can go a long way towards keeping your staff safe. A safe staff is a happy and productive staff. Taking additional time to protect your employees will help them be more productive and can prevent a costly insurance claim.
Shooting Range Liability Classification Codes
Commercial insurance companies use various liability classification systems in order to classify and rate coverage premiums for Gun Ranges. Here are the most common business insurance classification for Shooting Clubs:
Business Liability Category: Recreation and Sports
SIC Business Insurance Codes:
- • 7997- Membership Sports and Recreation Clubs
NAICS Liability Classifications:
- • 713990- Other Amusement and Recreation Industries
Business ISO General Liability:
• Code: 47253- Indoor Rifle or Pistol Ranges
• Code: 47254- Outdoor Rifle or Gun Ranges
• Code: 48206- Skeet Shooting or Trap Shooting Ranges
Common Workers Compensation Class Codes:
- • 9180- Amusement Operations- Shooting Clubs