If you’re in the amusement and recreation industry, chances are you wear a lot of different hats. When your services include everything from private parties to large-scale events such as community celebrations and even parades, your insurance coverage will need to be there for you in multiple different arenas and be highly customized to best match the amusement and recreation services you provide. Here are some key coverage elements that you should consider when looking to modify your insurance coverage or find a new provider entirely.
Special events liability: This insurance coverage components is for if you and your company have a public event in a rented premise. It protects you against lawsuits and claims related to bodily injury and property damage to the premise.
Liquor liability: If you’re serving liquor at an event, then you’ll need to add this element of coverage in the event someone causes injury or property damage as a result of that served alcohol. This type of liability coverage is most common for permanent established entities like restaurants and nightclubs, but, based on your state of business and the state in which the event takes place, a modified liquor liability component can be essential.
Passenger liability: If there is a chance that a given event or special occasion will result in you providing transportation or transportation vehicles, having passenger liability coverage will cover you in the event of a passenger bodily injury and minimize the risk of additional suits and claims.
If you’d like to learn more about why Prime Insurance Company is a preferred provider for amusement and recreation companies, please contact us here. We’re happy to help you find the right elements of coverage for your business’s array of services, changing requirements, and insurance concerns.