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Bowling Alley Insurance New York Policy Information

NY Bowling Alley Insurance

Bowling Alley Insurance New York. Ever since the first indoor bowling alley opened its doors in New York in 1840, bowling alleys have been wonderful places to not only bowl, but also relax and socialize.

Bowling alleys offer recreational facilities for bowling. These generally have snack bars, restaurants, and bar operations. Many bowling alleys have a pro or retail shops for sales and repair of bowling items and for offering lessons. Rental of shoes is common.

Alleys may be open to the public through leagues, competitions, contests, and other events. There may be banquet rooms for parties or fundraisers. Some have vending machines or video arcades. Child care services may be available.

Modern bowling alleys - also called bowling centers or lounges - often feature private party rooms, bars, and even dining rooms. Some become popular venues for live music, and bowling shoes can be rented at all of them. For many of the millions of people who enjoy bowling, the sport - and therewith the venues where it is played - is synonymous with fun. Bowling alleys may provide an important recreational outlet for numerous people, but that does not mean that owning and operating a bowling alley is not without risk.

That is why it is extremely important for the owners of bowling alleys to carefully consider their insurance options. What types of bowling alley insurance New York coverage might be needed? Read on to find out more.

Bowling alley insurance New York protects bowling centers from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do New York Bowling Alleys Need Insurance?

Running any business is inherently fraught with risk, and bowling alleys are no exception. If you own and run a bowling alley, you could be impacted by some of the same perils that would face any other business owner, but you also have to consider some risks unique to your field of business.

Examples of nearly universal hazards that could also strike a bowling alley would be theft or vandalism. Even alongside security systems and guards, the risk of these crimes can never be reduced to zero. Acts of nature, like earthquakes, hurricanes, or serious floods may impact any business as well.

Then, there is always the possibility of accidents; should, for instance, a fire that started in a neighboring business spread to yours, the damage could be severe.

Some of the hazards more exclusively to bowling alleys would be the possibility that an employee has an accident while operating automated lane machines; this heavy equipment can lead to serious bodily injury.

Should a customer reach into a ball return, this too can cause significant bodily harm. Even the risk that someone spills a drink on the approach and indirectly causes another customer to slip and hurt themselves has to be considered. In all cases, lawsuits may follow, even if your bowling alley has clear safety instructions in place.

Because you can never predict when your business may be impacted by these or other perils, bowling alleys should always make sure that they carry comprehensive bowling alley insurance New York. The right coverage makes it much easier to recover from the financial losses associated with unforeseen circumstances.

What Type Of Insurance Do NY Bowling Alleys Need?

Your precise insurance needs are as unique as your particular bowling alley and depend, for instance, on the facilities you offer, your number of employees, the location of your bowling alley, and the type and value of your bowling lane equipment.

To build the customized bowling alley insurance New York plan that will optimally serve your business, it is advised to consult a commercial insurance broker - working for you rather than any insurance company, they will have your best interests at heart.

However, some of the kinds of insurance coverage all NY bowling alleys need include:

  • Commercial Property: Also sometimes called business property insurance, this type of bowling alley insurance New York allows any business to protect itself against financial loss caused by perils that damage their physical assets. It covers your physical building, equipment, furniture, and other assets in case of circumstances that include acts of nature, burglary, and vandalism. Note, though, that flood insurance is often sold as a separate policy.
  • General Liability: In today's world, business owners can be sued for nearly anything - and whether or not a bodily injury or property damage claim is ultimately proven baseless, such lawsuits can be extremely costly. Business liability insurance helps to cover your attorney fees as well as any settlement payouts.
  • Workers' Compensation: Should an employee suffer a work-related accident, bowling alleys can in many cases be held responsible. Workers' comp covers the employees' medical bills and any lost wages, so that you do not have to.

Any business that uses vehicles for business purposes further needs commercial auto insurance, and it is important to keep in mind that your operation may have some additional bowling alley insurance New York needs.

Talk through your risk profile with a commercial insurance broker to discover what you can do to shield your business from major financial blows resulting from all possible hazards.

NY Bowling Alley's Risks & Exposures

Premises liability exposure is high due to the large number of visitors to the premises. Public and life safety code compliance is necessary. Ball racks must be secured to the floor to prevent tipping over. Good housekeeping, including immediate clean-up of spills, is key to preventing trips, slips, and falls.

Adequate lighting, marking of exits and egress are mandatory. Steps must have handrails, premises should be well lit, marked, and in good repair. Parking areas should be maintained free of snow and ice.

Background checks, including criminal records, should be conducted on any employee working with children for lessons or child care. The facility may present an attractive nuisance hazard when not in use.

There must be adequate security to prevent unauthorized entry. Personal injury exposures are from assault and battery, discrimination, false arrest, or unlawful detention.

Liquor liability exposure can be quite extensive if employees are not properly trained to recognize the effects of excessive alcohol consumption. Procedures must be in place for checking IDs and refusing to serve underage or intoxicated individuals.

Products liability exposure is from the sale of new or used bowling equipment, repair operations, and serving of food and drink.

Workers compensation exposure is high if workers finish and refinish bowling lanes or pins or do repair work on pinsetting machines. Refinishing operations can result in lung, eye, or skin irritations from dust and finishing agents such as varnish. There must be protective equipment and adequate ventilation.

Pinsetting machines can entrap clothing or body parts. There should be lock-out/tag-out training. Other potential injuries from the cleaning and maintenance of the facility and equipment or the cooking areas include cuts, electrical shocks or burns, hernias or back sprains from lifting, or slips and falls. Workers may be injured in altercations with customers.

Property exposures from fire are high due to the extensive electrical wiring for pinsetters and scoring machines and the flammable coatings used to finish and refinish the lanes and pins. Electrical wiring must be in good repair and adequate for operations.

Refinishing operations should be well ventilated to prevent the buildup of flammable vapors. The coating containers should be stored away from heat sources.

Should a fire occur, the configuration of most alleys, with limited or no firebreaks, will contribute to its spread. Because the wood bowling lanes are susceptible to warping if exposed to water, foam-based instead of water-based sprinklers should be used. The roofs are susceptible to collapse if the large roof expanse is not adequately supported.

If cooking involves more than popcorn makers or pizza ovens, all cooking equipment must be properly controlled. Smoking should be limited to specified areas, and disposal of smoking materials done in fireproof containers.

Bowling alleys may be a target for vandalism or theft. Loss of power can result in spoilage loss to food. Business income loss potential is high after a loss as backup facilities are generally not available.

Equipment breakdown exposures are extensive due to the pinsetting equipment and computerized scoring machines. Breakdown and loss of use could result in a significant loss, both direct and under time element, if replacements parts are unavailable or repair time is lengthy.

Crime exposure comes from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. As many transactions are paid with cash, cashiers' drawers should be kept stripped with deposits made at least once a day.

No money should be left on the premises overnight. When tournaments, exhibitions, games or other sponsored events occur, cash can increase considerably requiring extra security.

Inland marine exposure is from accounts receivable if the bowling alley bills customers, bailees customers when shoes are rented or customers' equipment is left for repair, computers that may run pinsetters and scoring equipment, and valuable papers and records for league and vendors' information.

Any customers' property left with the bowling alley must be returned in good condition. Controls should be in place to identify the rightful owner of the property.

Business auto exposure is generally limited to hired and non-owned for employees running errands. If there are owned vehicles, all drivers must be properly licensed and have acceptable MVRs. All vehicles must be maintained on an ongoing basis and service documented.

Bowling Alley Insurance New York - The Bottom Line

Having the right bowling alley insurance New York coverage is essential to protect your operations. To learn what types of coverage options are available to you, what limits you need, and how much your coverage costs, speak to a business insurance broker.

New York Economic Data And Commercial Insurance Requirements

The State of New York is famed for industry, particularly Manhattan and the surrounding areas. As such, it's no wonder why so many entrepreneurs look to do business in this state.

If you are thinking about starting up a business in NY, it's important for you to have an understanding of the status of the state, regarding its economy. It's also important to know about the insurance requirements for business owners in the Empire state.

Made In New York

Below, we offer a brief overview of New York's economic status, as well as the types of insurance policies business owners are legally required to carry, and policies that they should consider investing in.

The Economic Status Of New York State

While the economy is growing in the State of New York, it is lagging behind other states, in terms of growth. Overall, more jobs have been added in this state in recent years. In 2018, it is expected that this trend in job growth will continue; however, it will likely be at a slower pace than previous years.

If you are thinking about doing business in the Empire State, one of the best industries to consider is finance. It is predicted that this sector will contribute largely to the economy in 2022, as well as in the coming years. Healthcare services and education are also expected to see growth, as are the transportation industry, and professional and business services.

Insurance Requirements For Business Owners In NY

The New York State Department of Financial Services regulates insurance in the Empire State. Organizations that employ a staff of part-time or full-time workers that are either hourly or salaried are required to carry workers' compensation insurance. This type of insurance is required, no matter what size your staff is; even if it only consists of one W2 salaried person. You must also carry NY commercial auto insurance if you are using a vehicle to conduct any business affairs.

While there are no mandates surrounding commercial liability insurance, business owners in New York would be wise to invest in this type of coverage. Should a client or a contractor sue you for an accident or injury that happens at your place of work, or if a client claims you damaged his or her property, commercial liability insurance will protect you from having to pay the cost of legal fees and any settlements that may be awarded out of your own pocket.

Additional Resources For Arts & Recreation Insurance

Read up on small business arts and recreation commercial insurance.


Arts And Recreation Insurance

Commercial insurance policies for arts, entertainment and recreation are specialized policies that protect against the unique risks that arts and recreation businesses face.

Performing artists and companies, entertainers including musical groups, theatre groups, comedians and more, writers, performers, photographers, videographers, DJ's and so many other types.

Professional liability coverage (errors and omissions) is needed in these cases to protect their financial interests due to mistakes, errors or omissions by these professionals in doing their jobs. Fr example - a bride and groom did not like the way their wedding photos turned out.

Or a wedding planner might plan a lavish wedding, but the bride's parents who are paying for it did not like the way it went. There is a lot of gray areas with arts, and you need to be protected if your clients don't agree with you that your work was what the agreed to.

If your business is involved with children, you need to review your coverages very carefully so certain important protections are not excluded. Abuse and molestation insurance might be needed to fully protect yourself in this instance.

Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.


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Borough Park, Bronx Park and Fordham, Brooklyn, Bushwick and Williamsburg, Canarsie and Flatlands, Central Brooklyn, Central Harlem, Central Queens, Chelsea and Clinton, East Harlem, East New York and New Lots, Flatbush, Gramercy Park and Murray Hill, Greenpoint, Greenwich Village and Soho, High Bridge and Morrisania, Hunts Point and Mott Haven, Inwood and Washington Heights, Jamaica, Kingsbridge and Riverdale, Lower East Side, Lower Manhattan, Manhattan, Mid-Island, North Queens, Northeast Bronx, Northeast Queens, Northwest Brooklyn, Northwest Queens, Port Richmond, Queens, Rockaways, South Shore, Southeast Bronx, Southeast Queens, Southern Brooklyn, Southwest Brooklyn, Southwest Queens, Stapleton and St. George, Staten Island, Sunset Park, Upper East Side, Upper West Side, West Central Queens, West Queens and all other NY cities & New York counties near me in The Empire State.

Also find NY local small businesses by General Liability Class Code and learn about New York small business insurance requirements for general liability, business property, commercial auto & workers compensation including NY business insurance costs. Call us (212) 235-2003.

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