With the days growing longer and the sun getting warmer, more and more people are wanting to find their way outside. The hotter months often see an uptick in outdoor sports and recreation activities as people want to soak up as much of the summer sun as they can.
These kinds of activities present great opportunities for individuals looking to make a living doing a sport they love. Whether you want to become a rock climbing guide or take people out on the water as an expert river rafter or stand-up paddle board enthusiast, summertime is the perfect time to start a small-business that allows you to pursue your passion.
However, there are risks inherent with almost any outdoor sport or activity. When you become a guide to others, especially in a professional context, you assume those risks created by your clients' activities. In order for everyone to have a fun—and safe—summer, and for your business to be protected, general liability insurance coverage is a necessity.
Why You Want Liability Insurance Coverage
General liability can protect your business from expensive claims caused by property damage and bodily injury to your client or another third party. These types of claims can quickly add up to thousands of dollars. If you're a small business or sole proprietor, just one claim can be devastating.
Think about the following situation: you're a river rafting guide and you hit a rough patch of water. One of your customers is unable to hold on, and they're thrown into the water. As the current pushes them downstream, they knock into the rocks and boulders that litter the riverbed. You're finally able to pull them out of the water, but they're cold and covered in a variety of cuts and bruises.
This kind of situation can happen for almost any outdoor business, but with different specifics. If you want to keep doing what you love, you need insurance coverage so you aren't left with the burden of paying for an accident when (not if) it happens.
Attract More Customers with Quality Insurance
General liability insurance also benefits your business in other ways beyond the strictly financial.
When people are looking to have outdoor adventures, they're more likely to trust a business that has the proper insurance coverage. It demonstrates that you understand the risks involved and are more likely to be prepared for them. It also gives the person confidence that if they were to get injured while in your hands, that they won't be left high and dry covering their own bills.
So make sure you start your season off strong by attracting a lot of customers with the right, high-quality insurance. Learn more about Veracity's Outdoor & Recreation Insurance Program (ORIP) today, or give us a call at (866) 395-1308 to discuss your business's needs.