Insurance for private property Range?

[Girlznguns]

Does anyone know if you own private property and put a range on it... ( a berm) can you bring an outside instructor to host classes on it? Do you need insurance? ANy one know how that works? Thanks

[Hodgie]

Most reputable instructors carry their own insurance and will have their clients sign wavers.

That being said be careful who you invite and don’t do anything unsafe or stupid.

[Girlznguns]

I am the instructor and I carry Insurance.... But really? they don't need anything special? thanks.

[WCMG]

The instructor's insurance will only cover the instructor, not you. If one of the students gets injured, you (as the range owner) and the instructor could both get sued. FYI - you home-owners insurance will not cover this. We did a LOT of research on the best range insurance and finally went with Lockton Affinity underwritten by Lloyds of London. Here's our contact info at Lockton:

Nick Holliday
Account Manager
Lockton Affinity, LLC
913-652-7546
NHolliday@locktonaffinity.com

My non-attorney advice, create an LLC and everything that goes with it, have your LLC purchase a plot of land, build your range, insure it, then let people instruct there. Anything else and you are opening yourself up to a very litigious society.

[Hodgie]

What WCMG said.

What your basically looking to use your home for your instructing business.

You also need to check with your zoning office. I am allowed to shoot all day on my property, however if I were to get my FFL or do gunsmithing work for a job then I CAN NOT discharge a firearm on my property if it’s for business reasons.

[Girlznguns]

Thanks all!

[Berncly]

The instructor's insurance will only cover the instructor, not you. If one of the students gets injured, you (as the range owner) and the instructor could both get sued. FYI - you home-owners insurance will not cover this. We did a LOT of research on the best range insurance and finally went with Lockton Affinity underwritten by Lloyds of London. Here's our contact info at Lockton:

Nick Holliday
Account Manager
Lockton Affinity, LLC
913-652-7546
NHolliday@locktonaffinity.com

My non-attorney advice, create an LLC and everything that goes with it, have your LLC purchase a plot of land, build your range, insure it, then let people instruct there. Anything else and you are opening yourself up to a very litigious society.

Great info.

[ForeverPA]

Does anyone know if you own private property and put a range on it... ( a berm) can you bring an outside instructor to host classes on it? Do you need insurance? ANy one know how that works? Thanks

And you're in Philly? Haven't seen too many berms there.

[Exbiker]

And you're in Philly? Haven't seen too many berms there.

My thoughts too!

[Girlznguns]

My thoughts too!

The property is not in Philly.