Winter is defined by its ice, snow, sleet and cold.
If you think everyone hates the four elements of winter, think again. Many love the outdoors in the wintertime and revel in the sport activities designed with winter elements in mind. Nonetheless, businesses that provide the facilities that offer the winter sport-goodies do face high risk exposure – something that the broad insurance industry is prepared for with associated commercial liability coverage.
Below find three of the most general venues of winter fun – and corresponding necessary insurance protection.
1. Skating Center Coverage
Whether it is an ice or roller skating rink, the exposure to risks is quite high. The reason for this, of course, is that the likelihood of injury to sport participants and spectators is on an increased level – and so is the property hazards that come together with large open space and related upkeep of the equipment.
Relevant business insurance coverage can be obtained from many big-name carriers.
2. Ski Business Insurance
From all the colder month sports, it is probably the activity pertaining to skiing that presents the most danger. While every person that skis is predominantly responsible for his or her personal safety, the courts have consistently issued decisions against the commercial establishments that provide the sport opportunity. This is especially pertinent to the incline and trail management – and the slopes’ upward lift safety.
There is also the ski operations’ liability when it comes to the following:
• Premises liability for lodges, retail shops and restaurants owned and managed by the ski business
• Workers compensation liability for ski patrols and trainers
• Property liability for restaurant cooking and ski repair operations within the premises
3. Commercial, Rental Snowmobile Coverage
Those who engage in recreational snowmobile renting have been known to benefit from the financial gains. These include winter resort owner and snowmobile dealers, as well as trail operators located in the colder states of the US. Associated policies cover the correlated liability and physical damage. The majority of insurers require these businesses to subscribe to a hold, harmless agreement that ensures the lessee agrees to liability for any passengers or snowmobile operators.
Today’s popularity in snowmobile races, derbies, safaris and rallies are the reason for snowmobile clubs to sponsor the events. Associated plans cover the club’s liability for the sports observers and participants.
This insurance can also be acquired by:
• Commercial entities using snowmobiles
• Government agents using snowmobiles
• Snowmobile taxiing services