Airsoft Insurance
Precision insurance cover for your airsoft operation.
Why choose Howden for Airsoft Insurance?
Howden is the new name for Primo.
When it comes to getting airsoft insurance cover for your business, as an insurance broker we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of specialist leisure and business insurers, we make the process of comparing various policies, on your behalf, simple and hassle free. What’s not to like?
We also understand that each policy needs to be as individual as its owner and your business, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your airsoft operators’ insurance.
Ultimately, just know that we’re here to help, whether you need to purchase a new leisure policy, renew an existing one, or even just make a claim.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Our collaboration with UKARA ensures that your policy adheres to industry best practices.
- We’re right by your side in the event of a claim.
How does Howden’s Airsoft Insurance work?
Howden understands the unique needs of the airsoft community. We've worked with UKARA (United Kingdom Airsoft Retailers Association) and leading airsoft operators to develop a tailored insurance policy that addresses the specific risks and challenges you face.
Our airsoft field insurance policy is not a generic offering; it's a carefully designed product built on years of experience and direct input from industry leaders. It incorporates UKARA-approved health and safety guidelines, promoting best practices that not only protect your business but also enable us to offer highly competitive premiums.
What does Airsoft Insurance cover?
Public Liability Insurance
Protects your business from claims of bodily injury or property damage caused to third parties during your airsoft events.
Employers' Liability Insurance
A legal requirement for most businesses with employees, covering compensation claims for work-related injuries or illnesses.
Commercial Combined Cover Extensions
You can customise your policy with additional cover options such as:
Theft/Damage of Gaming Equipment: safeguards your valuable airsoft guns, gear, and other equipment.
Buildings and Contents: protects your premises and the contents within.
Business Interruption: covers your lost income if your business is temporarily closed due to an insured event (e.g., fire, flood).
Goods in Transit: protects your equipment while in transit to and from events.
Commercial Legal Expenses: provides financial assistance for legal fees in case of disputes.
Personal Accident: offers financial support if you or your employees suffer an accident while working.
Glass: covers the cost of replacing damaged glass at your premises.
Airsoft Insurance FAQs
What insurance do I need to operate an airsoft site in the UK?
To legally and safely operate an airsoft site in the UK, you'll need several types of insurance:
- Public Liability Insurance: This is crucial to protect your business from claims of bodily injury or property damage caused to third parties during your events.
- Employers' Liability Insurance: If you have employees (including part-time or volunteers), this is a legal requirement in the UK. It covers compensation claims for work-related injuries or illnesses.
- Commercial Property Insurance: This covers your buildings and contents against risks like fire, theft, and vandalism.
- Equipment Insurance: Protects your valuable airsoft guns, gear, and other equipment from damage or theft.
Additional cover like business interruption insurance, product liability insurance, and legal expenses insurance can also be valuable additions to your policy.
How much does airsoft field insurance typically cost?
Airsoft field insurance costs vary depending on factors like the size of your site, the number of players you host, your annual turnover, and the specific cover options you choose. It's best to get a personalised quote from a specialist broker like Howden to get an accurate estimate for your business.
What are the legal requirements for airsoft insurance in the UK?
Employers' liability insurance is a legal requirement for most businesses in the UK with employees, regardless of their employment status (full-time, part-time, or volunteer). Public liability insurance isn't legally required, but it's highly recommended to protect your business from potentially devastating financial losses due to accidents.
Do I need airsoft insurance if I'm just organising private airsoft games?
Even if you're only organising private airsoft games, having public liability insurance is strongly recommended. Accidents can still happen, and without insurance, you could be personally liable for any injuries or damages caused.
What are the risks covered by airsoft public liability insurance?
Airsoft public liability insurance covers your business if someone is injured or their property is damaged during your airsoft events and you're found legally liable. This can include accidents caused by players, spectators, or even faulty equipment.
Does airsoft insurance cover off-site events?
It depends on your specific policy. Some airsoft insurance policies may automatically cover off-site events, while others might require additional cover. Check with your broker to confirm what your policy covers.
Can I get airsoft insurance if I have a history of claims?
Yes, you can still get insurance even with previous claims. However, your premiums might be higher, and some insurers might be more cautious. Be transparent with your broker about your claims history to get the most accurate quote.
Is there a specific airsoft insurance provider recommended by UKARA?
UKARA doesn't recommend specific insurers but emphasises the importance of having adequate insurance that meets their safety guidelines. Howden has partnered with UKARA and offers policies tailored to meet these standards.
What should I look for in an airsoft insurance provider?
When choosing an airsoft insurance provider, consider:
- Specialisation: choose a provider that specialises in leisure or airsoft insurance and understands the unique risks involved.
- Cover Options: ensure they offer comprehensive cover that meets your specific needs.
- Reputation and Financial Stability: choose a reputable insurer with a strong financial track record.
- Customer Service: look for a provider that offers excellent customer service and support.
- Premiums: compare quotes from different providers to find the best value for your money.
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