As a recreation facility, your business welcomes many, kids, parents, athletes, instructors, spectators, adults & guests each day. Whether you provide sports activities, indoor courses, host special events etc. your facility has a legal oligation for the safety of your customers and guests.
ALIGNED understands that every recreation facility has unique commercial insurance needs and risks. Our specialists work closely with you to match you with an affordable recreation insurance policy. Our recreation insurance policies are comprehensive and cover the wide range of activities that take place at your recreation facility as well as the physical assets including the building, equipment etc. you have.
Why Is Recreation Insurance Important?
Every recreation facility faces unique operating risks. While you have policies in place to protect your guests, unexpected events and damages could cause significant financial loss. Comprehensive recreation insurance protects your business in these situations so your business doesn’t go sideways:
- A guest sues for property damage sustained in your facility.
- The negligence of one of your coaches causes a student to suffer injuries.
- The storage shed catches fire and damages the equipment inside.
- A guest sustains injuries from using faulty equipment.
- A grandparent slips and falls on spilt water inside the facility while watching their grandchild participate in an activity.
What Does Recreation Insurance Include?
Commercial General Liability Insurance – also called CGL insurance, commercial general liability insurance provides coverage for injuries, bodily harm, and property damages occurring to a third party during your business operations or while they are on your premises. CGL insurance also typically includes product liability coverage.
Commercial Property Insurance – your business relies on commercial buildings and equipment to operate successfully. It’s important to ensure your physical assets are protected in the event of a fire, vandalism, flood, or other natural accident beyond your control.
Pollution Liability Insurance – covers cleanup and litigation costs associated with spills and site contaminations from any pesticides or other chemicals used to maintain the lawns or fields of your recreation facility.
Equipment Breakdown Insurance – if your equipment breaks down, equipment breakdown insurance can cover physical damages to your equipment or replacement parts.
Cyber Liability Insurance – when storing sensitive payment information when guests sign up for classes or use the facilities, cyber liability insurance can protect your business against the loss that your guests or business suffer during a cyber attack.
Professional Liability Insurance – also known as errors & omissions insurance, covers situations where you make mistakes, such as negligence to supervise, instruct and/or train your guests or not enforcing proper safety measures when guests take part in classes, sports and/or activities.
Find The Right Recreation Insurance From ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Click Here To Get A Quote or contact one of our business insurance experts for information or with any questions you may have.
