Axe Throwing Insurance

Who needs axe throwing insurance

Axe throwing is the only sport where alcohol and projectiles share a contract. That mix — thrown blades, served or BYOB alcohol, participant waivers, and league play — puts the activity outside standard recreation policies. Coverage is for:

• Fixed axe-throwing venues with one or more lanes and on-site coaches
• Mobile axe-throwing trailer operators serving private events
• Corporate event hosting (team-building, holiday parties)
• WATL and IATF league play with weekly competitive sessions
• BYOB venues without an on-site bar
• Venues that hold a liquor license and serve alcohol on-site

What axe throwing insurance covers

• Participant injury — third-party medical and legal costs from injuries during throwing or coaching sessions.
• Property damage — damage to your venue, equipment, or third-party property.
• Premises liability — slips, trips, and other non-throwing injuries within the venue.
• Coach errors and omissions (optional) — for venues offering paid coaching that goes beyond simple instruction.
• Inland marine (optional) — equipment in transit on a mobile trailer or in storage between events.
• Liquor liability (optional) — for venues that serve alcohol or have dram-shop exposure under state law.

Liquor liability for venues that serve alcohol

Most axe-throwing venues that serve alcohol need liquor liability as a separate schedule on the policy. Even BYOB operations have dram-shop exposure in many states — allowing customers to bring alcohol can still trigger venue liability if an over-served customer injures someone. We work with the venue’s state-specific dram-shop counsel (where appropriate) and structure liquor liability as a layer on top of the GL.

WATL and IATF league compliance

World Axe Throwing League (WATL) and International Axe Throwing Federation (IATF) league sessions are covered under standard axe-throwing GL. Carriers want to see your league affiliation, your coach roster, and the safety protocol the league requires. Document the protocol in your operating procedures and confirm coach certifications annually.

Participant waivers

Every participant must sign a waiver before throwing. The waiver should comply with state law (some states require specific language for sport-related waivers to be enforceable). Coaches and league officials should confirm the waiver is on file before handing over an axe.

Mobile axe-throwing trailer coverage

Mobile operators get a packaged policy: commercial auto for the trailer, GL with the trailer named as a covered location, and inland marine for axes and target equipment. We schedule each trailer with its identifying details and the territory it operates in, so claims at any private-event location respond as written.

What affects your premium

• Venue type (fixed lanes, mobile trailer, both)
• Number of lanes
• Sessions per week
• Coaches per session
• Liquor on site or BYOB allowed
• WATL or IATF affiliation
• Documented waiver process
• Claims history
• State of operation

Common venue and landlord requirements

• $1M / $2M COI is standard; commercial leases commonly require $2M / $1M umbrella
• Landlord and property manager named as additional insured
• Waiver of subrogation
• 30-day cancellation notice
• Liquor liability schedule when alcohol is served
• Primary and non-contributory wording on commercial leases

States we serve

Frequently asked questions