Quick insurance question for the owners here. We've got multiple rooms, low-light props, guests crawling and climbing through the puzzles. I'm not convinced a single GL policy holds up for that. Was told accident with participation coverage is not the piece worth having. What do you all actually run?
I'm opening an indoor golf simulation facility, hopefully within 2-3 months!
We'll have multiple simulator bays and plan to offer memberships, walk-ins, and corporate events (the usual). I know it seems like a lower-risk activity compared to something like axe throwing, but people are still swinging clubs in enclosed spaces and there's expensive equipment involved.
I've been looking into general liability and also accident with participant coverage but I'm not sure if I need both or if one covers enough. Anyone running a golf sim business who can share what coverage they have?
Thanks in advance!