Axe throwing has moved from niche activity to mainstream night-out, team-building, and competitive sport. That growth is great for venue owners—but it also brings a very specific risk profile: sharp tools, fast-moving participants, alcohol-adjacent events, and a mix of walk-in customers and corporate groups.
Standard “sports facility” or “leisure venue” policies can be a starting point, but axe throwing usually needs tighter underwriting and clearer risk controls. The right insurance package protects your balance sheet if someone is injured, property is damaged, or a claim alleges poor supervision.
This guide explains the core covers most UK axe throwing venues should consider, what insurers typically look for, and the practical steps that can reduce incidents and premiums.
Insurers price risk based on frequency (how often things go wrong) and severity (how bad the outcome can be). Axe throwing can score high on both if controls aren’t strong.
Common risk drivers include:
Participant injury: slips, trips, strains, and impact injuries; plus higher-severity risks from thrown axes.
Spectator injury: people standing too close, entering a lane, or being struck by a rebounding axe.
Equipment and lane design: target boards, lane dividers, backstops, and floor surfaces.
Supervision standards: staff-to-thrower ratios, training, and enforcement of rules.
Mixed-use venues: bars, food service, arcades, or events that increase footfall and distractions.
Corporate events: larger groups, time pressure, and varying fitness/coordination.
Reputation risk: incidents can spread quickly on social media.
None of this means axe throwing is “uninsurable”. It means you need a clear safety system and a policy built around the real exposure.
Most venues need a package that combines liability, property, and operational covers. The right mix depends on your setup (single site vs multi-site, leased vs owned building, bar/food, events, coaching, leagues).
What it does: Covers compensation and legal defence costs if a member of the public is injured or their property is damaged due to your negligence.
Typical claims scenarios:
A customer slips on a wet floor near the lanes.
A spectator is injured after entering a lane area.
A participant is struck by an axe that rebounds unexpectedly.
A customer’s phone is damaged after being knocked from a bench.
What insurers will ask:
Lane layout and separation (barriers, netting, distance between lanes).
Rules and enforcement (one thrower at a time, retrieval procedures).
Supervision and staff training.
Alcohol policy (if applicable) and how you manage impairment.
Incident reporting and first aid arrangements.
Limit of indemnity: Many venues choose £2m–£10m depending on footfall, contracts, and landlord requirements.
If you employ staff (including part-time and casual workers), Employers’ Liability is a legal requirement in most cases.
What it covers: Injury or illness claims from employees arising out of work.
Examples:
A staff member strains their back moving target boards.
A coach is injured demonstrating throws.
A team member slips while cleaning.
Most UK policies provide £10m cover as standard.
If you provide instruction, coaching, or structured training, Professional Indemnity (PI) can be important.
What it covers: Claims alleging your advice, instruction, or supervision was negligent and caused loss or injury.
Examples:
A participant alleges poor instruction led to an unsafe throw.
A corporate client claims you failed to risk-assess their event properly.
Some insurers blend this into liability for sports instructors; others require a separate PI section.
Whether you own the building or lease it, you likely have valuable contents.
What it covers: Damage to insured property from insured perils such as fire, flood, escape of water, storm, theft, and vandalism (depending on policy).
What to include:
Targets, lane dividers, backstops, safety netting
Axes and training equipment
Reception and POS systems
Furniture, signage, and décor
Stock (if you sell merchandise)
If you own the building, you’ll also need buildings cover. If you lease, check the lease: landlords often insure the building and recharge you, but not always.
If a fire, flood, or major incident forces you to close, business interruption helps cover lost gross profit and ongoing costs.
Why it matters: Leisure venues can be cashflow-sensitive. Even a short closure can mean:
Lost bookings and deposits
Refunds and reputational fallout
Continued rent, utilities, and wages
Key choices include:
Indemnity period (often 12–24 months)
Gross profit vs revenue basis
Coverage for denial of access (e.g., police cordon or local incident)
Legal disputes can arise even without a major injury.
What it can help with:
Employment disputes
Contract disputes (suppliers, landlords)
Tax investigations (depending on policy)
It usually includes access to a legal helpline.
Most venues rely on online booking systems, card payments, and customer databases.
What it covers (typical):
Data breach response costs
Regulatory support (where applicable)
Business interruption from cyber events
Ransomware and extortion support
Even small venues can be targeted, especially if they use third-party booking plugins or have multiple staff logins.
If you handle cash, keep float in tills, or store takings before banking, money cover can help.
Also consider theft cover for:
Tools and equipment
Tablets and POS devices
Merchandise
If you run leagues, tournaments, private hire, stag/hen events, or corporate evenings, you may need:
Higher liability limits
Cover for hired-in equipment
Cancellation cover (optional)
Some venues can include this within an annual policy; others buy it per event.
Not every venue needs every add-on, but these are common.
If you sell merchandise, drinks, or packaged food, product liability may be relevant. For venues with a bar or café, it’s often included within public liability.
If you serve alcohol or allow BYOB, insurers will want to understand:
Serving policy and licensing
Cut-off times relative to throwing
Staff training and refusal procedures
Separation between bar area and lanes
Some venues choose to keep axe throwing alcohol-free to simplify risk.
This can provide a fixed benefit if an owner or key staff member is injured and can’t work.
If you’re a limited company, D&O can protect directors against claims alleging mismanagement, regulatory breaches, or employment-related allegations.
If you’ve invested heavily in fit-out—lane builds, partitions, flooring, lighting—make sure your policy includes tenant’s improvements.
Insurance is easier and often cheaper when you can evidence strong controls.
Lane separation: solid dividers between lanes to prevent cross-lane entry.
Clear throwing line: marked line and rules about crossing.
Controlled retrieval: only retrieve axes when all throwers are finished and coaches confirm.
Backstops and target design: reduce bounce-back and deflection.
Flooring: non-slip surfaces; manage sawdust/wood chips.
Spectator zones: designated safe areas, ideally behind barriers.
Lighting and signage: clear visibility and simple rules.
Induction briefing for every group, every time.
Coach-to-participant ratio appropriate to group size.
Age policy and ID checks where relevant.
Fitness/impairment checks: refuse participation if someone is clearly unfit or impaired.
PPE policy if used (closed-toe shoes, no loose clothing).
Equipment checks: routine inspection of axes, handles, heads, and targets.
Written risk assessments and method statements.
Staff training records (including refreshers).
Accident/near-miss log and actions taken.
First aid provision and incident response plan.
Cleaning schedules for lanes and public areas.
Prompt repair of damaged boards, barriers, and flooring.
Safe storage of axes when not in use.
Customer waivers can help set expectations and show you warned participants of risks. But in the UK, waivers do not remove your duty of care and won’t protect you from negligence.
Use waivers as part of a wider safety system, not as your main defence.
Axe throwing venues sit within broader health and safety duties.
Key areas to consider:
Health and Safety at Work duties (risk assessment, safe systems of work)
Occupiers’ Liability principles (keeping visitors reasonably safe)
RIDDOR reporting for certain reportable injuries/incidents
Fire safety (risk assessment, exits, alarms, extinguishers)
Licensing if alcohol is served
Data protection if you collect customer data for bookings
If you’re unsure what applies to your venue, get professional advice and document your decisions.
Pricing depends on:
Turnover and footfall
Number of lanes and maximum occupancy
Claims history
Alcohol service
Staff experience and training
Location and building construction
Security and fire protections
Whether you offer coaching, leagues, or off-site events
Because risk profiles vary, it’s best to approach insurers with a clear summary of your controls and operations.
To get accurate terms, prepare:
Business description (axe throwing only vs mixed leisure)
Address, building details, and security
Number of lanes, layout, and capacity
Supervision ratios and staff training
Alcohol/food arrangements
Risk assessments and safety rules
Turnover projections and payroll
Any contracts requiring specific limits (landlord, corporate clients)
The more organised you are, the smoother underwriting tends to be.
Policies vary, but pay attention to:
Exclusions for hazardous activities (make sure axe throwing is explicitly accepted)
Alcohol-related exclusions if you serve drinks
Heat work / alterations exclusions during fit-out
Unattended theft conditions
Security requirements (alarms, locks, shutters)
Unsupervised participation wording
If anything is unclear, get it clarified in writing before you bind cover.
If an incident occurs:
Make the area safe and provide first aid.
Record details immediately (time, lane, staff on duty).
Take photos of the area and any relevant equipment.
Collect witness details.
Keep CCTV footage securely.
Notify your insurer/broker promptly.
Don’t admit liability on the spot—stick to facts.
Good records can make a major difference to claim outcomes.
Use this as a practical starting point:
Public liability (often £2m–£10m)
Employers’ liability (usually £10m)
Property cover (contents, tenant improvements, buildings if owned)
Business interruption (12–24 months)
Professional indemnity (if coaching/instruction)
Legal expenses
Cyber cover
Money/theft
Event extensions (if you host tournaments/corporate nights)
If you run an axe throwing venue—or you’re planning a new site—getting insurance right early can save serious stress later. A specialist broker can help you present your risk controls clearly, negotiate suitable terms, and avoid gaps in cover.
If you’d like a quick, no-obligation review of your current policy or a quote for a new venue, speak to a specialist commercial insurance team that understands sports and leisure risks.
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