Shooting ranges are a prime target for lawsuits because of their inherent liability risk. There is the obvious risk—injuries and death caused by misfire—but there are plenty of other issues that the owner of a shooting range needs to be aware of, as well. Some are preventable by taking certain security measures, such as stocking the range with proper fire extinguishers and maintaining superb upkeep of the facility. But just like all other aspects of life, the unexpected can and will happen, and that’s when you need to make sure you have the proper shooting range liability insurance coverage plan that’s custom designed for your needs. Shooting range insurance for liability risks can cover a great number of things many people would not expect, such as severe weather incidents such as a patron getting struck by lightning, or a non-club members trespassing onto the property and getting hurt.

Somebody could slip and fall in the range parking lot, while someone else can sustain an injury when using a rifle they purchased from your pro shop and might try to sue the shooting range for damages. Unfortunately, the number of claims that people find to file against shooting ranges seems endless, but the right shooting range liability coverage can keep the range up and running, and most importantly, safe.

While it’s the job of a security guard to protect others, security companies must ensure that their employees are protected by making sure they have proper security guard liability insurance. A lot of responsibility falls onto a security guard’s shoulders. Whether they are working in the lobby of a residential building or the entrance of a store, their clients depend on them to keep the entire premises safe at all times, and that often includes the people in them. Many cities and states require security guard companies to maintain a minimum amount of liability coverage via security guard insurance, so it’s very important to make sure your company has a strong enough security guard liability coverage plan to be operating within the law.

Unfortunately, there will always be crime—incidents of assault, battery, theft, and much worse happen across the country every day, and many times they happen where a security guard is present. If a guard is on duty when something or somebody in the building is harmed, can they be held liable? Many court cases have decided that yes, a security guard and the company that employs them can be held liable for anything that happens in the realm of their supervision, even if little could have been done by the security guard to prevent the incident. Victims will look for retribution wherever possible, and it is up to the security company to ensure that they have the right liability coverage when problems like these arise. So make sure your company has the right security guard liability insurance plan given the size and scope of the work being done before it’s too late.