CBIZ Sattler Adventure Sports Blog

Insights and tips on how to protect your adventure sports business, giving you and your guests peace of mind.

Hayden Ward
/ Categories: BLOG Articles

Trekking Through Outfitters & Guides Liability Waivers

What you need to know about liability waivers

This article is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.

One of the most important things you can do for your adventure sports business is create a thorough liability waiver. Waivers are required for any outdoor business where participants could be at risk while partaking in the sport. It doesn’t matter if you own a hiking business, white-water rafting company, or operate a fishing charter, having your customers complete a liability waiver before participating is a must.

How Will Liability Waivers Protect Your Business?

A  liability waiver  is a legal defense mechanism for your business. It can protect your business from liability of negligence and shows goodwill in terms of mitigation. These are a low-cost liability protection for any business and can always be enhanced. We recommend reviewing your waivers annually and including them into your  business plan.

If someone happens to fall out of the raft and hits their head or sprains their ankle on a hiking trail, there is a high possibility their lawyer is going to go after the outfitter and guide in charge of the business. Having the correct insurance coverage will help cover these claims. However, well-crafted waivers will help strengthen the protection you have and can ease the litigation process if ran through the courts.

Liability waivers should be consulted with an attorney before put into action. They will help ensure that that your waiver meets the legal requirements, state laws, local laws, and standards for your field of business. Businesses can also create tailored liability waivers that include watercraft, firearm usage, terrain, and even climate. Don’t forget that if you are taking photos of your customers during the expedition for marketing purposes, you may need to create a release form for them to sign.

Don’t Operate Without These Three Risk Management Tools

All adventure sports businesses should have a business plan, the correct insurance coverage, and a strong liability waiver. You can also request your customers to fill out a questionnaire about their skill level to determine the intensity and thrill of the trip.

Adventure more and worry less with the correct policy on your side. Get the protection you need today and  request a free CBIZ Sattler Adventure Sport Insurance quote.

This blog may contain scenarios that are provided as examples only. In an actual claim situation, coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.

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CBIZ Sattler Adventure Sports Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of adventure sports businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a policy coverage to meet the needs for those in the recreation and outfitting industries. Our policy is underwritten by an A.M. Best Rated A++ (Superior) company.

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