CBIZ Sattler Adventure Sports Blog

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

Ward, Hayden
/ Categories: BLOG Articles

What is Vehicle MedPay?

MedPay for Guides and Outfitters

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.

Making a path through the dirt with a Jeep or driving ATVs and UTVs on beautiful landscapes might leave you and your guests with a memorable and thrilling rush of excitement. When most of us sit behind a wheel every day, it’s easy to forget about the risks that come with operating motor vehicles. That’s why a tailor-made insurance policy to protect against the hazards specific to your business, including concerns that are off the beaten path such as MedPay, is a necessity.

What Is Medical Payments Coverage (MedPay)?

Medical payments coverage is an add-on to an adventure sports insurance policy or auto insurance policy that covers expenses related to automotive accidents. It can cover bodily injury medical expenses to third parties as a result of your operations regardless of fault. Also known as “MedPay,” it covers you and any passengers in your business’ vehicle, any pedestrians you may injure, and if you happen to be riding as a passenger in another vehicle.

Key Things to Know About Medical Payments Coverage

You may be thinking MedPay sounds pretty similar and redundant to someone who carries health insurance. However, if you were to go directly through your health insurance plan, you will most likely need to make copayments when seeking medical treatment. They also have high deductibles that may leave you responsible for costs before your insurance kicks in.

When owning a business and looking out for you, your staff and customers, MedPay is a wise decision. For example, MedPay coverage applies after an automotive accident, regardless of fault and pays medical costs quickly. It also has no deductible or co-pay.

Most bodily injury claims are covered under the “each occurrence limit.” Medical payment coverage allows the insurance company to quickly pay smaller claims and mitigate the possibility of litigation. The limit applies to each person and is usually $1,000 to $10,000 per person.

At any moment, the bus you use to transport guests to and from the river in could endure a head-on collision with a vehicle. Or a Jeep tour could go wrong when off-roading in the desert. As a business owner, preparing for the worst is one of the best things you can do for your company.

As leaders in the recreation and outfitting industry, we just maybe sitting next to you on the boat, up next on the trail ride or taking part in an ATV tour. This passion and involvement means we understand your business and its unique risks to give you the best protection possible. Adventure more and worry less with the correct policy on your side. Get the protection you need today and request a free CBIZ 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.