Gun Club Insurance

[Tulsey, SASS#11236]

Gun Club I belong to just had a $5,000 increase in insurance premium with no claims to changes. Has anyone else got hit like this. 
We paid the bill, but it made me want to look at other venders. Anyone have any recommendations? Thanks 

[Rip Snorter]

Check what the NRA offers.  May be useful.

[Frontier Lone Rider]

I have been lucky in that the two clubs which I helped start were on a larger sporting organizations range and had NRA Insurance.  We simply got our insurance through the host club, which in both instances was through the NRA.  We never had a jump in price as you are describing.

[Colorado Coffinmaker]

 

Well:

 

BOHICA!!

[Colorado Coffinmaker]

 

I forgot to include, normally, when an insurer hits a client with a huge increase in premium, for no real reason, it's because the insurer really doesn't want that business.  They (the insurer) were probably surprised the club didn't cancel.  As mentioned above, the club should probably go shopping for a new insurer in any case.

 

[Texas Maverick]

Give Lockton a call. They do our insurance and it was a little over $1000. 

 

Lockton Affinity
PO Box 874952
Kansas City, MO
64187-4952
Phone: 1.844.401.9444
Fax: 1.913.652.7599
info@locktonaffinityoutdoor.com

 

You can tell them we sent ya to them.

 

Green Mountain Regulators

 

Texas Maverick

[Smokin Gator SASS #29736]

We have one very small club that is on a city owned range. It's in their water project. It can only be used for matches on weekends. No use at all during the week. The city was trying to set specific requirements that didn't meet what the insurers offered.

 

I'm thinking about the other ranges with hundreds of members and daily usage being able to get insurance. The city finally came to their senses and accepted the available insurance.

[Dogmeat Dad, SASS #48563L]

For about 15 years I was the treasurer for the club that hosts our Cowboy club.  One of the things I learned is that in addition to the physical assets that are insured, the liability insurance is dependent on the number of members at the Host Club, not just the Cowboy stuff. When we went from 900 to 1200+ members, our insurance jumped considerably.  The last time I saw the numbers, which was 5+ years ago, the cost of our insurance was north of $25K per year and I suspect it's closer to $30K these days.

 

I'm sure that living in the Gun Hating Peoples Republic Of Maryland and in the most Gun Hating County in that State doesn't help either, but Insurance for a Gun Range of any type isn't cheap and it's not going to get any cheaper, at least not in my lifetime, and I may be getting up there but...

 

[JohnWesleyHardin]

5 hours ago, Texas Maverick said:

Give Lockton a call. They do our insurance and it was a little over $1000. 

 

Lockton Affinity
PO Box 874952
Kansas City, MO
64187-4952
Phone: 1.844.401.9444
Fax: 1.913.652.7599
info@locktonaffinityoutdoor.com

 

You can tell them we sent ya to them.

 

Green Mountain Regulators

 

Texas Maverick

This is were we get our insurance for the Fort Des Moines Rangers and about the same premium.

[Two Shoots]

https://bestshotinsurance.com

 

We just switched to these folks a few months back due to our previous carrier raising prices.  We had Lockton give us a quote also but Best Shot had better coverage and pricing.  

[Sedalia Dave]

13 hours ago, Tulsey, SASS#11236 said:

Gun Club I belong to just had a $5,000 increase in insurance premium with no claims to changes. Has anyone else got hit like this. 
We paid the bill, but it made me want to look at other venders. Anyone have any recommendations? Thanks 

 

Would add perspective if we knew how big your club is and if you just shoot cowboy or a full service gun range?

[watab kid]

our club is actually a privately owned business here so im not sure whats up with the insurance but i know there is a lot of turmoil in the insurance area  these days , i do know that our liquor license insurance went thru the roof and we no longer serve - he is seeking out other options but im not expecting to still be working there when it happens , i think i got 2 maybe 3 years left before im off permanently because im getting old - i might get 4 years but i doubt it , will be the first time without any work since i was 14 , it will be a big change in thinking 

[Chancy Shot, SASS #67163]

"it will be a big change in thinking"

 

Do not worry.  Somebody can use some help with something.  My wife presented me with a "to do" list three days after I retired.  Still working on it.

 

Chancy

[Texas Maverick]

12 hours ago, watab kid said:

our club is actually a privately owned business here so im not sure whats up with the insurance but i know there is a lot of turmoil in the insurance area  these days , i do know that our liquor license insurance went thru the roof and we no longer serve - he is seeking out other options but im not expecting to still be working there when it happens , i think i got 2 maybe 3 years left before im off permanently because im getting old - i might get 4 years but i doubt it , will be the first time without any work since i was 14 , it will be a big change in thinking 

I was 69 and laid off in 2019. Thought about going back to work but nobody wanted any old guy that was too expensive. So I just bit the bullet and said I am retired. Haven't looked back. It took me about 2 days to fill up my days and wondered how I ever had time to work. LOL

 

TM

[SGT. ELI 35882 GUNFIGHTER]

Ours is Lockton, around $1000, plus we have a policy that covers the officers and directors from liability which is about $500

[watab kid]

8 hours ago, Texas Maverick said:

I was 69 and laid off in 2019. Thought about going back to work but nobody wanted any old guy that was too expensive. So I just bit the bullet and said I am retired. Haven't looked back. It took me about 2 days to fill up my days and wondered how I ever had time to work. LOL

 

TM

yes , i was "retired" in 13 - hated it and went back to work in 16 for another company , lasted till covid , now im really retired - 76 - been working part time at the gun club for fun and gun money since 05 , thats why im thinking my time is limited , nothing hard or taxing about what i do there now , i work the counter these days , started as an RSO at the range and RO for special events we used to have under pervious owner , that was sometimes a bit more taxing as we are all outdoors here , im currently the longest running employee of all , i like everyone i work with there 

[El Sobrante Kid]

18 hours ago, SGT. ELI 35882 GUNFIGHTER said:

Ours is Lockton, around $1000, plus we have a policy that covers the officers and directors from liability which is about $500

 

I'm assuming that the policy covers the officers and directors against any liability claims with them as a named individual. If we could be insured from liability, the line to sign up would be very, very long.

[Texas Maverick]

20 hours ago, SGT. ELI 35882 GUNFIGHTER said:

Ours is Lockton, around $1000, plus we have a policy that covers the officers and directors from liability which is about $500

Can you provide me with the info for the officer coverage? This is something we might need to check into.

 

Thanks

 

TM

[SGT. ELI 35882 GUNFIGHTER]

2 hours ago, Texas Maverick said:

Can you provide me with the info for the officer coverage? This is something we might need to check into.

 

Thanks

 

TM

That policy is also thru Lockton. I don't have any other details on hand as it is handled by our club secretary. 

[Texas Maverick]

17 hours ago, SGT. ELI 35882 GUNFIGHTER said:

That policy is also thru Lockton. I don't have any other details on hand as it is handled by our club secretary. 

Ok thanks, will check with Lockton on their coverages. I am just the treasurer and just pay the bills. LOL 

 

TM

Edited December 9, 2025 by Texas Maverick

[Rye Miles #13621]

My club just got a pretty huge grant from the NRA. It was in the thousands!

[Rip Snorter]

Our club got several large grants over the the last 10 or 12 years that absolutely transformed it!

[watab kid]

im glad to hear these grants are getting to the clubs , doesnt the NRA offer insurance as well ?