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It is important to know that playing paintball at a commercial playing field/site, is by far the safest place to play. Playing in your back yard, friend's property, etc., can be illegal and very dangerous.
In addition to all of that, if there is an injury playing on private land, chances are you will not be covered. commercial playing fields have insurance which protects them as well as you.
Paintball Insurance links
American Paintball League
Cossio Insurance Agency