Archive for April, 2009

Watercraft Boat Rental Insurance

Thursday, April 30th, 2009

Not many people can afford to own a boat, but if you’re aching for a day out on the open waters, renting one is the next best thing. As the wind is blowing through your hair, there should be a couple of things going through your mind. Safety is always of the highest priority when partaking in any kind of water activity, and along with a few good life jackets, you’ll also need the best boat rental insurance policy to fit your needs.

If you’re running a boat rental operation, providing liability coverage for you, your employees, and your customers will ensure that everything runs smoothly. Your plan should cover all of the most common liability risks, including damage to the exterior and interior of the boat, major and minor accidents, and any injuries that occur to any of the passengers. Your boat insurance plan should enable you to keep the boats you rent in the utmost condition so that anyone can feel safe while they’re out on the lake or sea.

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Construction Equipment Rental Insurance

Tuesday, April 28th, 2009

Planning on doing some major construction work this summer? Contractors and homeowners that opt to rent their construction equipment avoid many of the hassles involved with buying equipment, like transportation and storage costs. What you have to keep in mind is that renting equipment is just like renting anything else—you’re going to be exposed to liability risk and need to protect yourself with the right insurance. This small additional fee for construction equipment liability insurance will save you some big headaches in the long run.

Once the piece of rental equipment is in your hands, it’s your responsibility to keep it properly insured. This includes any damages that may occur to the equipment as well as loss or theft. Let’s say you’re renting a bulldozer to do some heavy duty destruction and the machine looks like it’s been through a war by the end of your rental agreement. It’s up to you to get that piece of machinery up to snuff before you return it to the rental company. If you’ve properly prepared yourself with a construction equipment rental insurance plan, this will be no sweat.

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BMX Event Liability Insurance

Thursday, April 23rd, 2009

The state of modern sports has taken a turn for the extreme, making activities like BMX racing all the more popular. BMX race tracks are popping up all across the country, and major tournaments and events are taking place left and right. If you are the host of a BMX event, there’s one more thing you have to worry about besides getting some dirt on your clothes—you need to have the proper BMX event liability coverage to protect yourself and all the participants.

BMX racing can be relatively safe, especially when riders take the proper safety precautions, such as wearing a full-face helmet. However, like all physical activities, there is always a chance of someone getting hurt, and injuries can range from minor scraps to more serious damage. Once somebody steps onto your race track, you become responsible for their well-being, so you need to have the right insurance plan that is specifically geared towards BMX events. After all, with extreme sports comes extreme responsibilities.

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White Water Rafting Guide Insurance

Tuesday, April 21st, 2009

With the spring and summer months fast approaching, plenty of thrill-seekers out there are getting revved up for another season of outdoor adventure sports such as white water rafting. While many adventurers see risk-taking as an immediate form of fun and excitement, if you are working as a guide running a commercial or private rafting tour, you shouldn’t take any risks with the proper white water rafting liability insurance plan.

White water rafting trips are in a constant battle against the elements of nature, so it shouldn’t be a surprise that no matter how many safety precautions are in place, it’s impossible to prevent every accident from ever happening. With the proper white water rafting insurance coverage that’s customized to the type of guiding you are doing , you can make sure that you’re protected should anything happen—from damage to the watercraft or a personal injury experienced while out on the waters. Although the sport of white water rafting is safer than it’s ever been, thanks to improved equipment and expertise, there is still an inherent risk involved, so you need the right liability coverage to make sure that your trip will be as safe and fun as possible.

Posted in Business & Hobby Insurance | No Comments »

Independent Truck Drivers Insurance

Tuesday, April 21st, 2009

While trucks are a very common sight to see on the road, many don’t realize that their drivers hold one of the most dangerous jobs in America. Around 500,000 trucking accidents occur every year in the United States. As an independent truck driver, primary liability coverage isn’t only a smart option—it’s the only option, as it’s required by law. Owner-operators need an independent truck driver’s liability plan that will cover auto-related injuries to themselves and their passengers as well as any damage that may happen to their vehicle.

The trucker lifestyle can be very taxing on the mind and body. Due to abnormal schedules and long consecutive hours stuck in the driver’s seat, many health issues can arise, such as carpal tunnel, backache, hypertension, and vision impairment. Many truck drivers also suffer from fatigue and sleep disorders, which is a leading cause of truck-related accidents that occur on the road. Truck drivers are integral in keeping commerce flowing, so their health and safety is just as important. Independent truck drivers need to make sure that they equip themselves with the best possible liability coverage designed for independent truck drivers that will help them out when the road gets rough.

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Hot Air Balloon Liability Insurance

Tuesday, April 14th, 2009

Hot air balloon rides offer one of the most serene and enjoyable ways to experience the science of human flight. While people have been safely and successfully ballooning for over two centuries, as a sport that relies heavily on the weather, certain things are left to unpredictability. Along with going through the proper hot air balloon training and licensing, a responsible balloonist, or aeronaut, needs to make sure that they have a custom hot air balloon insurance plan that will cover all liabilities should an accident occur.

Almost all hot air balloon accidents and injuries are weather-related. No matter how attentive and prepared the aeronaut is, the weather will sometimes have a different plan in store. A sudden gust of wind can force a crash landing in an undesirable area or spur two balloons into a mid-air collision during the middle of a special event. These incidents commonly result in broken or sprained bones, and in extreme cases, fatalities have been reported as well. Whether you are considering to invest in a hot air balloon for personal pleasure, advertising, or to start a tour business, an air-tight hot air balloon liability plan is a must have before you get off the ground.

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Pit Bull Liability Insurance

Wednesday, April 8th, 2009

Across countless online forums and message boards regarding dog ownership and liability, tons of frustrated and panicked pit bull owners are asking one simple question: “How can I insure my beloved pet?!” While most home owner’s insurance policies include pets in their coverage, almost all companies make exceptions for certain breeds that are considered “viscous”, and pit bulls are at the top of their list. Failing to maintain proper pit bull liability insurance coverage is not an option, as many states require proof of a pit bull liability insurance plan should you need to retrieve your pit bull from a pound after a biting incident.

Pit bull owners must take the extra step to get a supplemental pit bull insurance policy that is specifically geared towards pit bulls. No matter how responsible an owner is, the number of pit bull attacks that happen every year cannot be overlooked. Millions of people are bit by dogs each year and the large majority of them are bit by pit bulls, rottweilers, presa canarios or their mixes. These attacks can end it serious injuries, permanent disfigurements and even fatalities. The risk for pit bull owners is too great to be caught on the wrong end of lawsuit without the proper pit bull liability coverage on their side.

Posted in Animal Liability Insurance | No Comments »

Shooting Range Insurance – Why Liability Coverage Is Necessary

Tuesday, April 7th, 2009

Shooting ranges are a prime target for lawsuits because of their inherent liability risk. There is the obvious risk—injuries and death caused by misfire—but there are plenty of other issues that the owner of a shooting range needs to be aware of, as well. Some are preventable by taking certain security measures, such as stocking the range with proper fire extinguishers and maintaining superb upkeep of the facility. But just like all other aspects of life, the unexpected can and will happen, and that’s when you need to make sure you have the proper shooting range liability insurance coverage plan that’s custom designed for your needs. Shooting range insurance for liability risks can cover a great number of things many people would not expect, such as severe weather incidents such as a patron getting struck by lightning, or a non-club members trespassing onto the property and getting hurt.

Somebody could slip and fall in the range parking lot, while someone else can sustain an injury when using a rifle they purchased from your pro shop and might try to sue the shooting range for damages. Unfortunately, the number of claims that people find to file against shooting ranges seems endless, but the right shooting range liability coverage can keep the range up and running, and most importantly, safe.

Posted in Firearm Liability Insurance | No Comments »

Security Guard Insurance & Liability Coverage

Wednesday, April 1st, 2009

While it’s the job of a security guard to protect others, security companies must ensure that their employees are protected by making sure they have proper security guard liability insurance. A lot of responsibility falls onto a security guard’s shoulders. Whether they are working in the lobby of a residential building or the entrance of a store, their clients depend on them to keep the entire premises safe at all times, and that often includes the people in them. Many cities and states require security guard companies to maintain a minimum amount of liability coverage via security guard insurance, so it’s very important to make sure your company has a strong enough security guard liability coverage plan to be operating within the law.

Unfortunately, there will always be crime—incidents of assault, battery, theft, and much worse happen across the country every day, and many times they happen where a security guard is present. If a guard is on duty when something or somebody in the building is harmed, can they be held liable? Many court cases have decided that yes, a security guard and the company that employs them can be held liable for anything that happens in the realm of their supervision, even if little could have been done by the security guard to prevent the incident. Victims will look for retribution wherever possible, and it is up to the security company to ensure that they have the right liability coverage when problems like these arise. So make sure your company has the right security guard liability insurance plan given the size and scope of the work being done before it’s too late.

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