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.
Vandalism poses a risk to nearly every business and its properties. While public buildings and structures often bear the brunt of such acts, private properties are not immune. Vandalism can cause physical and financial stress.
Outfitter employers are urged to prepare for impending legal changes including potential overtime rule shifts and evolving employee benefits requirements. To stay ahead of these challenges, it’s crucial for outfitters to employ proactive strategies, update their policies and closely monitor the anticipated compliance challenges that lie ahead.
Workplace drug utilization is not permissible and you’re within your rights to ban employees from marijuana use while on the job. Even workers who possess a medical marijuana card or are protected under the Americans with Disabilities Act (ADA) could be terminated for working under the influence.
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.
Almost every outfitter faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of a business becoming legally and financially responsible for injury, harm or damage to another party.