subject: Protection For Ventures Offering Fun In The Sun [print this page] How cool is it to have the big open sky, a sheer rock face, a verdant forest, or a raging river as an office? Running an outdoor recreation operation can seem like a wonderful way to get paid for having fun: camping, skiing, tubing, biking, skating the list of activities that these recreational operations offer is as vast as it is enjoyable. The concept of combining business and pleasure has resulted in a booming industrypeople are spending a whopping $646 billion in the outdoor recreation industry each year.
Regardless (or perhaps because of) a downshift in the economy, falling housing prices, and record unemployment levels, this industry is seeing increasing numbers of people who are becoming consumers of these activities, from tame to extreme. Their varied tastes have led to the vitality of a growing and diverse economic niche that seeks to provide a vast variety of experiences enjoyed out in the open airthere is something to appeal to everyone, without a doubt. However, in the process of conducting events or guiding these recreational thrill-seekers, the not-so-fun specter of liability looms large for the providers, given the significant risks that are to be expected in the course of the activities.
Insurance offers protection from myriad exposures to risk
outdoor recreation insurance is available to satisfy the need for coverage for businesses that offer leisure activities on either a guided or self-directed basis. Protection is also available, in most cases, for the equipment rentals and sales that are part and parcel of many of these recreational operations. Common to most of these businesses is the need for property, crime, workers compensation, and other protection that is basic and integral, expected in the course of doing business. However, the policies can be tailored to meet the specific needs of the activityfor example, a guided dog sledding operation is going to need certain policy features that an inline skating camp will not. A fantasy drag racing immersion course will have very different needs from a heli-skiing outfit. Thats where advice from a professional insurance agent comes in.
Inadequate coverage is as risky as cliff diving in shallow water
An agent can analyze the risks that apply to a specific type of activity and devise a custom plan for recreational operation associations, instructors, and commercial operators. The result will be an insurance program from a quality insurer that is as comprehensive as it is affordable. Contact an agent today to learn how to keep the fun going with an outdoor recreation insurance program.
