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:
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.
How much are premiums for paintball business policies?
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.
How can paintball facilities get paintball insurance?
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.