Participant Injury vs General Liability: The Coverage Gap at Every Action-Sports Venue
Your general liability policy covers the bystander. It excludes the customer who paid to participate. Here is the gap, and the coverage that closes it.
Your general liability policy covers the bystander. It excludes the customer who paid to participate. Here is the gap, and the coverage that closes it.
A waiver is a defense. Insurance is what pays. Here is where waivers really hold, where they fail, and why action-sports venues need both.
Most paintball fields have general liability. Most are still underinsured in four specific places. Here is where the gaps are and how to close them.
Airsoft and paintball look like the same business to an underwriter. They are not. Here is the risk and cost difference, and how to insure both.
A generalist agent has never read the one exclusion form that decides if your action-sports business is insured. Here are the five gaps it leaves.
Corn mazes, haunted houses, and pumpkin patches operate two months a year. Most of their insurance bills for twelve. Here is how to structure it right.