Opening a foam combat arena, mostly kids birthday parties and overnight events, lots of running around obstacles firing foam darts. Trying to figure out what coverage actually fits this kind of venue. Anyone running a Nerf or foam combat setup, what's on your policy and how do you handle the participant accident piece with a lot of kids on site?
Opening an indoor gellyball arena, mostly kids' birthday parties and team events. Keep getting told gel balls are low impact so insurance should be cheap but nobody will actually give me a real number. Anyone running a Gelly Ball or gel blaster set up willing to share the GL plus incident coverage actually runs?
I run a rock climbing gym with a bouldering area, top rope walls, and lead climbing sections and everything is auto-belay or supervised but climbing is climbing and the risk doesn't go away just because you've got a waiver on file. I know general liability is the baseline but I've been looking at accident with participant coverage on top of that and I'm genuinely not sure whether both are necessary or whether one of them actually handles the gym side properly when something goes wrong. what I keep coming back to is whether a generic policy has the gaps you don't find out about until you actually need it, what does the right setup actually look like for a climbing facility, and is there anything specific to push back on when you're getting quoted?
Family entertainment center owner here, GL and accident with participant sorted but liquor liability is the gap, with kids running around while we serve alcohol, the math feels different than a regular bar. How are the mixed-use venues handling this on the policy side?
I own a water sports and tours company, we do fishing tours, airboat tours, pontoon tours, plus jet ski and water ski rentals. We have multiple boats, multiple captains, multiple types of activities all happening at once. So based off of this, I know I need general liability, property insurance for the fleet, and accident medical with participant coverage since guests are on the water. I am trying to figure out what a proper insurance program looks like for a multi-activity water tour operation, does anyone in this space have advice on how to structure the coverage?