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.
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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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:
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.
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.
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.
The premiums charged for paintball business policies depend on a business's location, services, equipment, facility, and many other factors. An independent insurance agent can help find out how much insuring a specific facility would cost. Independent agents are able to compare quotes from multiple insurers since they aren’t affiliated with any one company.
If you need assistance insuring a paintball facility that’s located in Massachusetts, contact us at The Feingold Companies. We’ll work closely with you to determine coverage, deductible and limit needs, and then we’ll request customized quotes that meet those needs. With our help, you can be confident that you’re selecting from the best available paintball insurance policies.
