Having insurance should be front and centre in anyone's mind who operates a MRR.
I wouldn't even consider running the range without it.
Anyone who does is asking for trouble, and I for one, wouldn't shoot there.
If the operator scrimps on something like that, it makes you wonder what else they have decided wasn't necessary, like safety or maintenance.
We have two companies running MRRs, and they are separate. Both have insurance, both operate very differently, and so need to be kept separate, at least on paper.
My force have decided that as we also run a club (but these aren't club guns) that a club FAC is not the route to go. Both operators have private FACs, so they have decided to add them to our personal FACs.
My list of firearms reads like a wiki list of the 22LR variants.
It seems a complete farce the way it has been implemented, with little guidance from the top. Can't fault my FLD though, they were just as much at a loss as I was. At one point it was looking like I'd just get a condition that I could run a MRR but the firearms wouldn't be added as slots, just use the FAC to buy and sell. This would make sense and allow the operation to continue as before, but no, they have now added them all to the FAC. As we get through rifles regularly, I have more spare .22rf slots than most people have total firearms.