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Scottish Target Shooting insurance zone


Marsh Sport are the appointed insurance broker to Scottish Target Shooting (STS). This web page sets out details of the insurance provided as part of your membership, how to report an incident and some frequently asked questions.

Who is covered?

This cover applies only to activities authorised or recognised by STS. The policy covers: 

  • Scottish Target Shooting
  • Individual members – Essential, Enhanced and Complete
  • Club Plus
  • Coaches
  • Volunteers

Coronavirus Exclusion

Please note, with effect from 15th January 2021, Insurers have applied a Coronavirus Absolute Exclusion to the Liability policy. This means no cover is provided under the Liability policy for any claim, loss, cost or expense of whatever nature directly or indirectly arising out of, contributed to or resulting from coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof.

The covers explained

Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property. 
Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.

Cover to protect a Scottish Tartget Shooting club or coach for claims made against them which allege that a third party has suffered an injury or financial loss caused by negligent acts, errors or omissions during coaching activities. 

This cover is provided to all affiliated Clubs and Areas of Scottish Target Shooting.
Protection against legal liability in respect of claims made for injuries to any volunteer or employee of the member club or area/regional committee.

Protection for committee members and club officers against claims arising from their decision or actions whilst managing the organisation.

Membership insurance

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Essential membership is designed for those who shoot in a club but do not compete in events, except maybe postal shoots. As such, some of these individuals may not have a licence because they use club guns, but because some will, and therefore we provide cover to assist with licence revocation.

  • Insurance to support the legal costs for appealing against the revocation of a personal Firearms or Shotgun Certificate

Enhanced membership has been designed for shooters who decide to take their shooting to the next level, and travel to events in Scotland (and other parts of the UK) to compete. Shooters who travel and compete will likely have invested in their own firearm which is why we build on the Essential membership, and add personal accident and equipment cover.

  • Public Liability.
  • Personal Accident Insurance (up to £50,000).
  • Personal Equipment Cover (up to £10,000).

Complete membership is designed for shooters who want to test themselves outside of the UK and shoot at events across the world.  We therefore take the insurance cover from our other memberships and add on worldwide travel insurance, as well as legal support for personal criminal prosecution defence. 

  • Insurance to support the legal costs for personal criminal prosecution defence.
  • Worldwide Travel Cover for Shooting Activities.

Club Plus provides clubs with the following insurance cover:

  • Public, Professional & Products Liability (£10m).
  • Employers Liability (£10m).
  • Directors & Officers Liability (£5m).
  • Abuse (£2.5m).
  • Club Equipment Cover (up to £10,000).
  • Insurance to support the legal costs for providing Criminal Defence support for all qualified Instructors.
  • Insurance to support the legal costs for appealing against the revocation of a Club Licence.
  • Insurance to support the legal costs for club Criminal Prosecution Defence (including Employment Defence and Contract Disputes)

As every club is different, we have agreed with Marsh Sport that our members can contact them directly and agree personal terms to build on the cover our Club Plus members receive so they can have the peace of mind that they are suitably covered.

The policies' limits are as follows:

  1. Public Liability – £10,000,000 each and every claim.
  2. Professional Indemnity - £10,000,000 each and every claim and in the aggregate.
  3. Directors and Officers - £5,000,000 each and every claim and in the aggregate.
  4. Employers Liability – £10,000,000 each and every claim.
  5. Abuse cover - £2,500,000 each and every claim and in the aggregate.

Personal Accident and Travel Insurance

If you become injured whilst participating in an STS activity, you can incur some significant financial losses as a result. Personal accident insurance can help offset some of these unexpected expenses. This insurance can pay out a set amount if someone is injured in an accident and the benefit can be a lump sum or a weekly amount.

Who is covered and when?

  • Any Enhanced or Compete member is covered for Personal Accident 
  • In addition Complete members also receive Travel Insurance 

Operative time:

  • Whilst participating in any authorised activity of STS including direct travel to and from any authorised activity of the Insured within Britain 

What are the benefits?

  • Please note that the policy is not designed to replace your usual income in the event you are unable to work following an accident.

Reporting an incident

It is important that all incidents that may give rise to a claim, however minor, are reported to Marsh Sport as soon as possible after the event.

Frequently asked questions

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This has been clarified with the insurers and now probationary members (who are undergoing the Home Office recommended 3 month probation period) will be deemed as full members for the purposes of insurance.

The following are the insured permitted activities under the Liability and Personal Accident cover:

  • Small Bore
  • Airgun
  • Airsoft
  • Archery
  • Crossbow (as a secondary activity to Target Shooting)
  • Full Bore
  • Handloading
  • Reloading
  • Downloading
  • Clay Pigeon
  • Black Powder
  • Bell Target
  • Benchrest
  • Field
  • Vermin Control
  • Rough Shooting
  • Practical Shooting (disciplines as covered by UKPSA)
  • Official Events and Competitions

No, personal travel will not be covered by the insurance, coverage only applies for shooting trips (evidence of this may be required in the event of a claim such as competition entry).

Cover is for members aged 3 - 80 years.

Yes, providing you are carrying out STS approved activities.

Cover would apply in respect of officially organised club/association activities only.

Depending on the activity at the time of the loss, you may be covered by numerous policies from the shooting organisations you are affiliated to. We recommend that you notify all shooting bodies of your incident and you will then be advised accordingly if you are covered under more than one insurance policy.

Providing the coach can evidence their certificate of competence then coverage will be in force. If the coach does not receive a certificate of competence then no coverage will apply.

Yes, you are covered if you lend the equipment to another club or move the equipment outside. However, cover would not apply if you leave the targets unattended and out in the open. Please see the full conditions on portable equipment noted in the policy wording.

Please contact Marsh Sport to increase your cover. You can call us on 0345 872 5060 (9am to 5pm Monday to Friday) or email

Yes, providing you are carrying out STS approved activities.

Spectators, visitors and guest are covered under the Public Liability insurance but they are not covered to undertake any shooting activities. Guest will be covered under the Public Liability and Personal Accident insurance for a maximum of 3 sessions or 3 hours, whichever occurs first. The guest must receive the correct training/induction prior to participating and the sessions or hours need to be recorded and signed. After this has expired the guest must become a member to remain covered.