Insurance 101 · Axe throwing
Axe throwing: Insurance 101
Know what to ask before your next league night or event. Work through six modules covering participants, staff, equipment and the policy details that matter to your operation.
Start the guideEducational information, not a coverage determination. Examples are hypothetical. Policy wording, exclusions and underwriting decide whether coverage applies.
Module 1 / 6
Start with the work you actually do
The key takeaway
Describe every activity, not just your business name.
Insurance is a contract with an insurer. You pay a premium, and the insurer handles covered losses under the contract. A licensed agent helps you understand options; the insurer decides what it will offer. A business name alone does not explain all your activities.
In your day-to-day work
A fixed throwing venue, a mobile trailer and an event with several attractions do not present the same operation. Describe coaching, leagues, private parties, transport and setup separately.
Ask before you buy: Does the application describe every service, location and activity I want the insurer to consider?
Module 2 / 6
What general liability is for
The key takeaway
General liability does not cover every business risk.
General liability can address certain claims that your business caused injury to another person or damaged someone else's property. It is not a policy for every business risk. Read the exclusions as well as the headline limit. Ask how the policy treats damage connected to your work.
In your day-to-day work
A guest might allege an injury after an axe rebounds. Ask whether participants are included in the proposed coverage and how activity exclusions affect the policy. A signed waiver is not confirmation of insurance coverage.
Ask before you buy: Which injury and property-damage claims are included, and which are excluded?
Module 3 / 6
When one coverage is not enough
The key takeaway
People, equipment and vehicles need separate coverage questions.
Workers' compensation, business property and commercial auto address different risks from general liability. Do not assume one policy includes them all. A package can combine some coverages, but its actual forms still matter. Requirements for employees depend on the state and the facts of your business.
In your day-to-day work
A coach injured during a demonstration raises employee-related questions, separate from a participant's injury claim. Describe all staff roles and contractor arrangements. A damaged mobile enclosure, stolen axes and a vehicle accident can involve different coverages. Ask about your equipment both at your premises and at an event site.
Ask before you buy: Which risks need a separate policy or an added coverage, and what remains uninsured?
Module 4 / 6
Read beyond the certificate
The key takeaway
A certificate is a summary, not the policy.
A certificate of insurance summarizes information; it does not replace the policy. Review the named insured, covered operations, dates, exclusions and endorsements. Endorsements change the policy. A requested additional insured is a person or business seeking protection under your policy, subject to the actual endorsement.
In your day-to-day work
Explain BYOB, alcohol sales, food service and any additional attractions. Ask how participant injuries and alcohol-related allegations are treated. Give the agent your lease and event organizer's insurance requirements.
Ask before you buy: Can you show me the wording that addresses this activity and this contract requirement?
Module 5 / 6
Compare limits, costs and claims steps
The key takeaway
Compare what you pay and what the policy can pay.
A limit is the maximum payable under a stated part of the policy. A deductible is an amount you may have to pay toward a covered loss. An aggregate limit can cap payments across multiple claims. Compare these terms, exclusions and fees alongside premium. Ask how and when to report a claim before an incident happens.
In your day-to-day work
A damaged mobile enclosure, stolen axes and a vehicle accident can involve different coverages. Ask about your equipment both at your premises and at an event site.
Ask before you buy: What would I pay myself, what limits apply, and who do I contact to report an incident?
Module 6 / 6
Get ready for a useful quote
The key takeaway
A quote does not mean coverage has started.
Prepare your business details, locations, activities, revenue, payroll, equipment and claims history. Include your current policy and contracts that request insurance. Accurate answers help avoid mismatches. A quote is not proof that coverage has started; confirm the effective date and any remaining conditions before relying on it.
In your day-to-day work
Prepare venue addresses, mobile event plans, attraction lists, safety procedures, staffing, alcohol arrangements, revenue, equipment values and prior claims. Include contracts requesting certificates or additional insured status.
Ask before you buy: Are the application details correct, and what still needs to happen before coverage takes effect?
Keep learning about your operation
Review the axe-throwing policy checklist
Reference material
Published by Axe Throw Insurance, operated by Kinro. Updated September 15, 2026. Examples are hypothetical and do not confirm coverage.
SBA: business insurance basics