Insights and tips on how to protect your adventure sports business, giving you and your guests peace of mind.
Commercial general liability (CGL) insurance is an essential form of coverage for all outfitter and guide businesses, but they typically come with some exclusions. Understanding these will help your adventure sport business identify potential coverage gaps, minimizing the risk of costly out-of-pocket losses.
Fires can devastate small businesses, causing property damage, loss of inventory, disruptions in operations and even endangering the lives of customers and employees.
It’s important to protect your drivers and vehicles with adequate insurance coverage. That’s why many organizations turn to commercial auto insurance, which can provide the following benefits:
The drive to and from your adventure destination requires preparation and protection equal to that of the sport your group is participating in. In particular, driving larger vehicles, such as passenger vans or buses, poses unique safety hazards and distractions beyond those faced when driving our standard personal vehicles.
The implementation of workplace safety measures and AI advancements have reduced employee injuries and associated workers’ comp claims. However, inflation, shifting workforce demographics and employee mental health challenges have raised some market concerns.
All drivers, whether they’re taking the company vehicle out or simply commuting, should be prepared for anything Mother Nature throws their way. Driving in hazardous winter conditions requires special safety measures to stay safe.
Don't let safety concerns dampen your holiday spirit and turn into risk-mas. Whether it’s potential property damage or weather-related risks, winter can significantly impact your business’s operations.
Many outfitters rely on seasonal workers to supplement their business during peak times, such as the upcoming winter holiday season, when there’s an influx of activity and eager adventurers. While this additional help is certainly a benefit to your business and bottom line, there are important differences between seasonal employees and 1099 contractors.
Adventure sports businesses regularly face several risks that could necessitate a temporary shutdown or reduction of operations, both of which can have devastating effects. Business interruption insurance can play a key role in ensuring operations resume following a catastrophe.
Waivers are required for any outdoor business where participants could be at risk while partaking in the sport. Your customers will probably give this paper a quick skim and sign it without reading too much into it since they most likely know what they’re getting into.