Paintball Insurance from Massachusetts Specialists

What is Paintball Insurance?

Paintball comes with certain inherent risks. Injuries occasionally occur even when following safety protocols, and paintball operators face the risks that are common to businesses in all industries. Paintball insurance offers Massachusetts paintball operators protection against many of the unique and common risks they face.

Paintball insurance is specialized commercial insurance for paintball facilities. Policies typically come with both liability and property protections, which guard against a range of risks.

What Massachusetts businesses need paintball business insurance?

Most Massachusetts businesses that have paintball facilities ought to purchase paintball business insurance. Professionals who offer paintball lessons might also want coverage.

The types of paintball business insurance policies that facilities and coaches require are different, but both usually should be insured. An insurance agent who specializes in paintball business insurance can help select the right type of policy.

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What coverages are included in paintball business insurance policies?

The particular coverages that paintball business policies have can vary, but there are some coverages that most policies offer. The following are important protections to consider:

• Commercial Property Coverage, which may cover continued periods without revenue following a disaster
• General Liability Coverage, which may cover common “slip and fall” accidents occurring at a paintball facility
• Premises Liability Coverage, which might cover other accidents occurring at a paintball facility
• Product Liability Coverage, which may cover harm caused by sold paintball guns, paintball ammo or other products
• Professional Liability Coverage, which may cover mistakes that employees or coaches are responsible for
• Umbrella Liability Coverage, which may cover expensive lawsuits that exceed underlying policies’ limits
• Business Interruption Coverage, which may cover prolonged periods of lost revenue after disasters

Standard general liability coverage often provides sufficient liability protection against on-premises accidents, but sometimes more protection is needed. Additional premises liability coverage can usually be purchased in these situations. An experienced insurance agent who knows these policies well can help determine whether additional liability coverage is appropriate.

Do paintball facilities need workers’ compensation coverage?

Massachusetts state law normally requires businesses that have employees to carry workers’ compensation. The coverage helps protect against workplace injuries, often providing employees with compensation for lost wages and medical costs if they’re hurt on the job.

Thus, most paintball facilities need to carry workers comp. Whether this is included within a paintball business policy or purchased separately depends on the particular policy. The coverage is readily available in either case.

Is insurance still needed when participants sign waivers of liability?

Liability waivers may offer certain legal protections, but the protections that waivers and insurance policies offer are different. Waivers don’t cover property damage to a business’s assets, and businesses can still be liable for certain causes of harm. It’s generally advisable to purchase insurance regardless of whether participants have to sign liability waivers.