Field Insurance

GSG9Gaunt · February 6th, 2013, 16:25

Hey guys, trying to get all the details sorted regarding starting an outdoor dedicated airsoft field.

Since I've looked into this for a very long time I know that Insurance is extremely important for having a legit airsoft business.

Just wanted to know if you guys know of any insurance companies in Ontario that insure fields. I have found only one so far "Holman Insurance Brokers" that insures paintball fields.

If any of you guys have any knowledge of field liability insurance I would appreciate it. Also if you know of average costs related to insurance that would be helpful as well.

Thanks!

Additional Details: Looking at vacant land 40-100 acres

Private Field for first year or 2

Other than a parking lot, staging & safe areas and the potential porto potty or outhouse there wouldn't be any buildings or structures in the first few years of operation.

Food & Bev would be limited to BBQ, or snacks (even though I'm sure I would need a license for that as well)

Brian McIlmoyle · February 6th, 2013, 16:42

holman is one of the few games in town.. even another broker is probably going to place the policy with the same company Holman is

My facility is insured through Holman

GSG9Gaunt · February 6th, 2013, 16:55

thanks for thread links. Would end up owning the land so It would cut the operating costs down huge. I've done landscaping before so I would do most of it myself. Sand bags is a good option for structures, but yep I've priced out plywood, wood etc. My main battle is getting insurance and the land approved for commercial zoning.

GSG9Gaunt · February 6th, 2013, 17:00

I know insurance is a huge variable depending on alot of factors

$5,000 - $10,000 a year for insurance is what I think it will approx be. Just sent an email to Holman.

Brian McIlmoyle · February 6th, 2013, 17:04

Quote:

Originally Posted by GSG9Gaunt

My main battle is getting insurance and the land approved for commercial zoning.

good luck on that one.. if the land is zoned Recreational now, you have a hope

of it is Agricultural .. no hope

c3sk · February 6th, 2013, 17:08

The brokers I've spoken to Ontario were able to generate a new "Airsoft" Policy which uses the same properties taken from the current existing Paintball policies. When setting it up they are going to ask you specific questions such as, how many individuals will be on the land at any given period for coverage, eye wear, face protection, projectiles, parking of individuals vehicles, etc.

Price depends on a LOT of variables, it can scale quite a bit. Where it's located, what it is zoned as, how much liability coverage you take out. There are no month to month rates available that I know of, so you need to purchase it as an "annual" policy (At least from my experience, this may depend on the company providing the insurance)

1 Million liability is like the bare minimum. My recommendation is to get the best recommended coverage possible to make sure you're protected.

Just start phoning up some brokers and fish around for quotes, they are competitive with each other, its definitely worth doing the research on each offer.

Hope that helps!

GSG9Gaunt · February 6th, 2013, 17:10

the land im looking at now is zoned "residential". 55 acres for $99k. Also have sent an email to the township regarding commercial licensing. I'm sure I can swing a private field at the very least. I also have an eye on 100 acres zoned recreational for $59k (although it does not seem to have any potential for building permits since it is on a unopened road allowance).

Koolie · February 28th, 2013, 00:01

I have looked around a very very SMALL amount. If its a play structure like the 1 or 2 room, 1 level houses for field play. You do not need a permit. Things like small sheds depending on size for storage you dont need a permit. Add a tent or some meshed area as safe zone and you could potentially get around most your building permit needs.

Again just from my limited looking, I'd look into detail with the township a little more about that.

Hectic · February 28th, 2013, 00:06

no foundation equals no permit in most places also the size can be a factor depending on the municipality but any "shed" type structure on cinder blocks should be permit free start pouring concrete floors and such then youll likely need a permit

KindT · February 28th, 2013, 01:45

Quote:

Originally Posted by Hectic

no foundation equals no permit in most places .....

+1 to this. Also if it is built on skids so that it could be moved it can fall under a "non permanent structure" and no permit is required but like so many others have stated GET THE FACTS.

ladytresses · April 3rd, 2013, 16:34

It is true, i am aware of only one insurance company currently doing this in Ontario. A decent broker will hook you up with them. If you do not own the land it will cost more and you will require special liability insurance. Discuss with the owner general terms of liability. Currently i do not get anything under $2,000,000 liability, and some games i have had as much as 5,000,000.

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February 6th, 2013, 16:25	#1
GSG9Gaunt Trader rating Join Date: Jul 2010 Location: Midland, Ontario	Field Insurance Hey guys, trying to get all the details sorted regarding starting an outdoor dedicated airsoft field. Since I've looked into this for a very long time I know that Insurance is extremely important for having a legit airsoft business. Just wanted to know if you guys know of any insurance companies in Ontario that insure fields. I have found only one so far "Holman Insurance Brokers" that insures paintball fields. If any of you guys have any knowledge of field liability insurance I would appreciate it. Also if you know of average costs related to insurance that would be helpful as well. Thanks! Additional Details: Looking at vacant land 40-100 acres Private Field for first year or 2 Other than a parking lot, staging & safe areas and the potential porto potty or outhouse there wouldn't be any buildings or structures in the first few years of operation. Food & Bev would be limited to BBQ, or snacks (even though I'm sure I would need a license for that as well) __________________ Honor, Respect & Loyalty "We are GSG9"! G&G M4A1 \|Cybergun M-14 KWA G36C \|Cybergun Thompson M1A1 TM XM177E2 \|Cybergun S&W Multi Shotgun Skeleton P226 \|WE (open bolt) XM177

February 6th, 2013, 16:42	#2
Brian McIlmoyle 8=======D Trader rating Join Date: Apr 2005 Location: Toronto	holman is one of the few games in town.. even another broker is probably going to place the policy with the same company Holman is My facility is insured through Holman __________________ Brian McIlmoyle TTAC3 Director CAPS Range Officer Toronto Downtown Age Verifier OPERATION WOODSMAN If the tongue could cut as the sword does, the dead would be infinite

February 6th, 2013, 16:55	#3
GSG9Gaunt Trader rating Join Date: Jul 2010 Location: Midland, Ontario	thanks for thread links. Would end up owning the land so It would cut the operating costs down huge. I've done landscaping before so I would do most of it myself. Sand bags is a good option for structures, but yep I've priced out plywood, wood etc. My main battle is getting insurance and the land approved for commercial zoning. __________________ Honor, Respect & Loyalty "We are GSG9"! G&G M4A1 \|Cybergun M-14 KWA G36C \|Cybergun Thompson M1A1 TM XM177E2 \|Cybergun S&W Multi Shotgun Skeleton P226 \|WE (open bolt) XM177

February 6th, 2013, 17:00	#4
GSG9Gaunt Trader rating Join Date: Jul 2010 Location: Midland, Ontario	I know insurance is a huge variable depending on alot of factors $5,000 - $10,000 a year for insurance is what I think it will approx be. Just sent an email to Holman. __________________ Honor, Respect & Loyalty "We are GSG9"! G&G M4A1 \|Cybergun M-14 KWA G36C \|Cybergun Thompson M1A1 TM XM177E2 \|Cybergun S&W Multi Shotgun Skeleton P226 \|WE (open bolt) XM177

February 6th, 2013, 17:08	#6
c3sk (╯°□°)╯︵ ┻━┻ Trader rating Join Date: Jul 2007 Location: ก็็็็็็็็็็็็็	The brokers I've spoken to Ontario were able to generate a new "Airsoft" Policy which uses the same properties taken from the current existing Paintball policies. When setting it up they are going to ask you specific questions such as, how many individuals will be on the land at any given period for coverage, eye wear, face protection, projectiles, parking of individuals vehicles, etc. Price depends on a LOT of variables, it can scale quite a bit. Where it's located, what it is zoned as, how much liability coverage you take out. There are no month to month rates available that I know of, so you need to purchase it as an "annual" policy (At least from my experience, this may depend on the company providing the insurance) 1 Million liability is like the bare minimum. My recommendation is to get the best recommended coverage possible to make sure you're protected. Just start phoning up some brokers and fish around for quotes, they are competitive with each other, its definitely worth doing the research on each offer. Hope that helps!

February 6th, 2013, 17:10	#7
GSG9Gaunt Trader rating Join Date: Jul 2010 Location: Midland, Ontario	the land im looking at now is zoned "residential". 55 acres for $99k. Also have sent an email to the township regarding commercial licensing. I'm sure I can swing a private field at the very least. I also have an eye on 100 acres zoned recreational for $59k (although it does not seem to have any potential for building permits since it is on a unopened road allowance). __________________ Honor, Respect & Loyalty "We are GSG9"! G&G M4A1 \|Cybergun M-14 KWA G36C \|Cybergun Thompson M1A1 TM XM177E2 \|Cybergun S&W Multi Shotgun Skeleton P226 \|WE (open bolt) XM177

February 28th, 2013, 00:01	#8
Koolie Trader rating Join Date: Feb 2013 Location: Burlington, ON	I have looked around a very very SMALL amount. If its a play structure like the 1 or 2 room, 1 level houses for field play. You do not need a permit. Things like small sheds depending on size for storage you dont need a permit. Add a tent or some meshed area as safe zone and you could potentially get around most your building permit needs. Again just from my limited looking, I'd look into detail with the township a little more about that.

April 3rd, 2013, 16:34	#11
ladytresses Trader rating Join Date: Jul 2008 Location: Burlington, Ontario	Insurance It is true, i am aware of only one insurance company currently doing this in Ontario. A decent broker will hook you up with them. If you do not own the land it will cost more and you will require special liability insurance. Discuss with the owner general terms of liability. Currently i do not get anything under $2,000,000 liability, and some games i have had as much as 5,000,000.

Field Insurance

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