Why do adventure & outdoor activity centres need insurance?
Outdoor activity insurance is an incredibly important insurance cover.
Liability insurance doesn’t come with a choice. It is normally insisted upon by licensing authorities, governing bodies and the law; some of your clients will also insist upon seeing proof of insurance before they employ your services.
This aside, even with the best safety systems, injuries are common in the outdoor activity industry, making outdoor activity insurance a highly beneficial cover. The correct insurance will cover your costs in defending claims, including accidents for which you are not responsible but are accused.
In addition, your equipment and property are essential to running your business. Outdoor activity centre insurance protects against damage, theft, fire, storm, flood, etc., so your business can survive with minimal disruption.
As it can be quite confusing working out what insurance you need, we’ve developed a brief guide to help you better understand what to look for in an insurance policy: A Guide to Outdoor Activity Insurance
For a more comprehensive cover, you may also want to consider the following:
- Director’s personal liability
- Legal expenses
- Personal accident
- Business interruption
- Buildings
Some businesses operating in the outdoor activity industry may struggle to get insurance. For example, if you run a backpacker hostel, bunkhouse or bothy or have a paintball centre, you may find some insurers find it easier to decline something they cannot clearly understand – we can help; just click the links for more information.
What insurance do I need to consider?
Every club, organisation, and race is unique, so no ‘one size fits all’ insurance plan or solution exists. Aside from adventure & outdoor activity centre insurance, there are some other recommended insurance options for your club, such as:
Public Liability
Personal Accident
Cyber Insurance
Legal Expenses
Kit & equipment
Employers Liability
Event Cancellation
Sports travel insurance
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For almost 20 years insurance premiums in the sport & leisure sectors have been stable or even getting cheaper. However, in recent months the market has hardened to the extent that some policyholders are seeing their premiums double, treble or even almost impossible to obtain cover.
Sports & Leisure sector asking for Cyber & data protection insurance
Most businesses in the sports & leisure sector collect customer details, which often includes sensitive information such as date of birth, medical conditions and bank account details.
Interested in Mann Broadbent’s Adventure & Outdoor Activity Centre Insurance?
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