Who insures it · 5 named markets · read 2026-10-28

Who insures paintball and laser tag?

Paintball and laser tag is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write paintball and laser tag: Sadler Insurance (division of Specialty Program Group, LLC), McGowan Allied Specialty Insurance, Granite Insurance, Alive Risk (Ryan Specialty Underwriting Managers), Insurance Allies, LLC (division of Specialty Program Group LLC). 4 program administrators, 1 MGA. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Sadler Insurance (division of Specialty Program Group, LLC) Program administrator	Indoor and outdoor paintball fields and facilities: general liability on occurrence form with coverage for athletic participants, non-owned and hired auto option, sexual abuse & molestation option; participant accident medical and AD&D. Laser tag not mentioned on this page. “Paintball Liability Insurance with no requirement to join an association.”	not stated	not stated	sadlersports.com · read 2026-10-28
McGowan Allied Specialty Insurance Program administrator	Laser tag businesses: indoor arenas, outdoor fields, mobile setups, VR-enhanced experiences, family fun centers; general liability, property damage, equipment damage, workers' compensation, cyber. Paintball not mentioned on this page. “McGowan Allied offers customized laser tag business coverage that keeps you protected against claims”	nationwide (Areas We Serve page)	not stated	mcgowanallied.com · read 2026-10-28
Granite Insurance Program administrator	Paintball complexes within the adventure and entertainment practice. Independent specialty-focused agency. “axe throwing centers, guided tour centers, paintball complexes, family entertainment centers, motorsport complexes, and more.”	'50 States Served'	not stated	graniteinsurance.com · read 2026-10-28
Alive Risk (Ryan Specialty Underwriting Managers) MGA	Laser tag as a family entertainment center attraction within the Amusement program (paintball not mentioned). “zip lines, ropes courses, climbing walls, trampolines, bowling centers, laser tag, and more.”	not stated ('Some products may only be available in certain states')	Surplus lines	aliverisk.com · read 2026-10-28
Insurance Allies, LLC (division of Specialty Program Group LLC) Program administrator	'Laser Tag Venues' listed as an insured industry (paintball appears only as a quote-form option). Boutique brokerage in the entertainment and recreation space. “Providing Premium Insurance Coverage For These Industries:”	not stated (licenses listed for IL, CA, NY)	not stated	insuranceallies.com · read 2026-10-28

Philadelphia Insurance Companies' paintball product page and its paintball highlights PDF both returned 404; its Family Entertainment Center page links an 'Application - Paintball Supplemental' but states no paintball appetite in text, so PHLY was excluded. XINSURANCE has no paintball or laser-tag page in its sitemap.

How paintball and laser tag gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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