Paintball & Airsoft Field Insurance Coverage Checklist
The coverages a paintball & airsoft field business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for paintball and airsoft fields, including youth low-impact play, scenario events, and private parties. Priorities reflect typical exposure for this class; confirm against the field's actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers player, spectator, and visitor injuries — eye injuries, falls from towers, trips on obstacles. Confirm it covers participants and is not written with a participant exclusion. | Core | |
| Participant Accident Medical | Pays players' medical bills regardless of fault, which helps resolve minor injuries before they become lawsuits. | Prevalent | |
| Commercial Property | Covers buildings, rental markers and goggles, compressors, and fill stations. | Core | |
| Workers' Compensation | Referees and staff are on the field during play and exposed to the same eye, impact, and fall injuries as players. | Core | |
| Umbrella / Excess Liability | Extends limits above GL; a single eye injury can mean permanent vision loss and a high-severity claim. | Prevalent | |
| Inland Marine / Equipment Floater | Covers rental equipment and markers taken to off-site events, which standard property may not cover away from the field. | Situational | |
| Hired & Non-Owned Auto | Responds when staff drive personal or rented vehicles to off-site events or supply runs. | Situational | |
| Liquor Liability | Needed if alcohol is served or permitted on premises. | Situational | |
| Products Liability | Needed if the pro shop sells markers, airsoft guns, goggles, or paint. | Situational | |
| Cyber / Privacy Liability | Covers online booking and stored waivers containing customer and minor information. | Situational |
The coverage gap most often missed
The most consequential gap for paintball and airsoft fields is a participant exclusion. Some general liability policies written for recreation exclude injuries to people taking part in the activity — which for a paintball field means nearly every customer on the field. Eye injuries are the severe claim in this class: a clinical series of paintball eye injuries found most victims were left with 20/200 vision or worse, almost all of them without goggles at the time. Confirm the GL covers participants, and pair it with strict ASTM F1776 goggle enforcement and documented chronograph checks.
Send us the checklist and we'll review your paintball & airsoft field coverage line by line, then market it across multiple carriers that compete for your account.
Related: Paintball & Airsoft Field Insurance · Paintball & Airsoft Field Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a paintball & airsoft field business need?
The core coverages for a paintball & airsoft field business are Commercial General Liability, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my paintball & airsoft field coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.