It’s a long time since I last read a site insurance policy.
There will be ‘almost standard’ policies around the activities and a quote is based on the questions / answers on the quote applications and are most likely to be subject to a risk assessment (and ideally the mitigations and method statement) as submitted by the site
The value of anything on those can vary considerably
On a different tack I re-wrote a complete set of risk assessment, mitigations and method statement for my friend to trade at a festival. They asked for a method statement, I looked at the risk assessment that she had already submitted was a method statement - so we amended the title and resubmitted - that didn’t work. So at 11 at night I produced the full range and in minutes of the email without the time to read the content they accepted it all
It is best practice to chronograph all customer guns before play begins. But if the sites risk assessment, mitigations, method statement, staff procedures, insurance policy don’t say so then that’s an argument for later when a claim is made
This is an American insurer that has a good video series for site owners (it’s titled Paintball safety but covers multiple activities including airsoft)
Their initial quote form for Airsoft does ask about chrono limits but does not ask about pre-game checks
http://www.cossioinsurance.com/
https://youtube.com/@cossioinsurance1558?si=mLLlStU8w1OCFpqW
Back in the day I regularly played at a rental site, and it was this site that we first ran events.
On rental days they did not chronograph as a matter of routine as own gunners were rare. (and it meant taking out the big red chrono to do so)
We were first checked by shooting at the magic chrono tree with the head marshal looking at how our shots fired
Subsequently I brought my own chrono with me and grab a marshal to watch me use it
When we ran events I rewrote the rules and disclaimer*, we used chronos for a full pre - check, tag and
* the existing disclaimer was useless for an own gunner event. I was able to rewrite ‘all guns left on the rack before exiting to safe zone’ to ‘made safe, barrel blocker, turned off etc’ (exact wording varied). That as acceptable and did not breach their insurance terms.
We were running the first ever game under a scenario organiser collective with a common set of minimum rules, which included air safety training & issuing air passes for self fill. I needed to do that to comply with the collectives rule set but the insurance explicitly required trained staff only to operate the fill station, so I could not allow self fills
By the next year the site owner had the insurance policy updated, and we could fully run the air pass training & self fills
(He based adding this to the policy using my documentation, such as revised filling procedures - having the paintballs recognised national body UKPSF logo may have helped. Perhaps his premiums were cheaper, or at least increase in premium was less than the income for more own gunners at events etc)