Drive-In Theater Insurance Montana

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Drive-In Theater Insurance Montana Policy Information

MT Drive-In Theater Insurance

Drive-In Theater Insurance Montana. The popularity of drive-in theaters - large outdoor venues that screen movies that visitors can enjoy from the comfort of their vehicles - was at its height between the 1940s and 1960s.

Drive-in movie theaters are outdoor facilities with a screen in front, a projection booth and concessions stand in back, and a large area in between for automobile parking. Patrons view movies from the comfort and privacy of their own cars using sound from speakers provided by the drive-in or their own car radios.

There is often a playground area for children available before the show and during breaks. The hours, days and months of operation will vary by risk and by locale.

While many operate on only weekends during the summer months, others have added daytime activities such as flea markets, or started operating in the early spring, with operations continuing until late fall.

Today, drive-in theaters offer an exciting sense of nostalgia that means these cinematic venues are thriving once again due to COVID-19.

Typically consisting of now digitalized projection systems, movie screens, large parking lots from which visitors can view the content on offer, and obligatory concession stands that allow movie-goers to partake of traditional popcorn and soda, drive-in theaters require savvy management.

If you own and run a drive-in theater or are considering opening such a venue, it is not only crucial to discover what your customers want and to deliver it. You also have to take the risks a drive-in theater may be confronted with into account, and plan for unexpected circumstances that may jeopardize the financial health of your business.

What kinds of drive-in theater insurance Montana might drive-in movies need? This brief guide offers insights.

Drive-in theater insurance Montana protects your outdoor facility from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.

Why Do Montana Drive-In Theaters Need Insurance?

Drive-in theaters may have a unique business model, but they are vulnerable to many of the same risks that threaten any commercial venture, while also facing some hazards unique to this particular field of commerce.

All the hard work you put into growing your business can be undone virtually overnight if your drive-in theater is impacted by a major peril - unless you have taken proactive steps to invest in a comprehensive insurance plan.

Nobody can plan for acts of nature such as hurricanes, wildfires, or floods, for example, but natural disasters could have a ruinous impact on your property, including the essential equipment you depend on to show your movies.

Should such a perilous event strike your MT drive-in theater, you will not only be left with substantial repair costs, but you will also face costly business interruptions. Theft and vandalism are two more common perils that the owners of business premises primarily located outdoors have to pay special attention to.

In addition, an employee, guest, or anyone else may be physically injured on your premises under circumstances for which you could be held liable. In these cases, costly lawsuits can follow. Unless you are prepared by carrying the right forms of insurance, such litigation could threaten the future of your business.

By investing in the best drive-in theater insurance Montana you can afford, you can focus on what you do best - delivering exciting content in a venue your patrons will love - without worrying about what would happen to your business in a worst-case scenario.

What Type Of Insurance Do MT Drive-In Theaters Need?

Every drive-in theater is unique - your size, location, the equipment you use, your number of employees, and even the surrounding terrain and climate, are all among the factors that influence the character of your business.

All these variables determine what kinds of insurance you need to carry, as well. Consulting a skilled commercial insurance broker who is familiar with your field is a vital part of the process of acquiring excellent insurance, as they will be able to offer insights based on the specific risk profile of your drive-in theater.

Having said that, some types of drive-in theater insurance Montana that are useful include:

  • Commercial Property: While many people will immediately think of physical buildings when they hear the term "property insurance", this essential form of insurance covers your outdoor assets as well. In the event of perils such as theft, fire, and vandalism, the resulting repair and replacement costs will be covered.
  • Commercial General Liability: Should a third party file a property damage or bodily injury claim against your business - alleging, in other words, that your drive-in theater was responsible - commercial general liability insurance covers the resulting legal costs. Attorney and court fees, medical bills, repair bills, and settlement costs are examples of the expenses covered.
  • Equipment Breakdown: Should your sound system, projection equipment, or other essential machinery break down suddenly and need to be repaired or replaced, this form of drive-in theater insurance Montana coverage will help you manage those costs.
  • Workers' Compensation: Any business with employees will also need workers comp insurance. It covers medical bills and the cost of lost wages if an employee sustains a work-related injury, and thereby also protects your business from costly litigation.

Bear in mind that these important kinds of coverage may not be the only ones a drive-in theater needs.

Only a commercial insurance agent who understands your specific business can help you craft a tailor-made drive-in theater insurance Montana insurance plan - and therefore, consulting one should be your next step as you seek to protect your business from major risks.

MT Drive-In Theater's Risks & Exposures

Premises liability exposure is high due to the large number of visitors on premises. Public and life safety code compliance is very important. Patrons generally walk back and forth to concession and restroom facilities in the dark. Good housekeeping and well-maintained parking surfaces are critical to prevent slips and falls.

Patrons may leave early without turning on headlights. Adequate lighting, marking of exits and egress are mandatory. Drive-in theaters sometimes bank the rows of vehicle parking for better viewing, but banking increases the possibility of loss.

Playground equipment must be well maintained, and notices should be posted indicating that parents are responsible for supervising children. There should be contracts in place when the premises is rented out explaining duties and responsibilities.

Security at events needs to be carefully reviewed. There should be an evacuation plan for emergencies. The theater may present an attractive nuisance hazard when not in use. There must be adequate security to prevent unauthorized entry. Personal injury losses may occur due to alleged wrongful removal, invasion of privacy, or discrimination.

Products liability exposure comes from any item that is sold in the concession area. Employees should be trained in the proper handling of consumables to prevent foreign objects in food, food poisoning, or the spread of other transmissible diseases.

Workers compensation exposure hazards include burns, cuts, slips, trips, and falls in the concession area, and lifting, back, hernia, or related injury during cleaning and maintenance. Automobiles being driven by patrons may hit employees.

If the theater does its own screen maintenance and repair, workers may fall from heights or be hit by falling objects. Employees responsible for collecting, counting, possessing and depositing money may be subject to hold-ups. Security personnel may suffer injury from hold ups or unruly patrons.

Property exposure is mainly from wind and vandalism. The screen's construction is important to surviving heavy winds. A screen anchored into concrete is the most durable while wood supports are the most easily destroyed. While many provide sound through customers' FM audio systems, some continue to provide individual speaker stands which are subject to vehicle damage and vandalism.

Electrical wiring used for lighting and sound systems should be up to code. Fire can be a problem in the concessions area. If deep fat frying is done, all appropriate protections must be in place. Loss of power for any reason could result in spoilage of food items.

Drive-ins may be a target for vandalism, particularly if operations are seasonal. The perimeter should be fenced and security provided even during the off-season. Business income and extra expense may be high because of the limited revenue-generating season and the unavailability of backup facilities.

Equipment breakdown exposure may be high due to the heating, lighting, and sound equipment used for showing movies. 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 and volunteers handling money. All ordering, billing, and reimbursement must be separate functions. All cashiers should balance with a cash register with penalties for shortages.

Inventory should be regularly monitored to prevent items from disappearing. The entrance cashier booth should be secure and locked. As admittance fees are generally paid with cash, a significant amount may accumulate.

Money should be stripped and removed from the booth during the evening. No money should be left overnight. There must be adequate security from guards.

Inland marine exposure is from audio-visual equipment, computers, contractors' equipment used to maintain the grounds and the buildings, and valuable papers and records for contracts and suppliers' information. If any live performances are conducted, there may be theatrical property. When FM audio is used, there is a radio/tower exposure.

Commercial 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.

Drive-In Theater Insurance Montana - The Bottom Line

To protect your operations, employees and your patrons - having the right drive-in theater insurance Montana coverage is important. To discover what options are available to you, how much coverage you should invest in - speak to a reputable commercial insurance broker.

Montana Economic Data, Regulations And Limits On Commercial Insurance

Made In Montana

Thinking about starting a new business? Already own a successful business and want to expand your operations? Whatever the case may be, if you want to experience as much success as possible, you are going to want to ensure you choose the best possible location for your specific industry.

No matter how outstanding your goods and services may be, if the area where your business is located doesn't offer a healthy climate that will support your company, chances are you'll struggle to succeed.

If you are thinking about opening up a business in Montana, being familiar with the state's economic trends can help you determine if it's a good location for you. It's also wise to know what type of insurance you'll need to invest in so that you can plan ahead.

With that said, below, we provide an overview of the economic trends in the state of Montana, as well as the commercial insurance requirements for business owners in the Treasure State.

Economic Trends For Business Owners In Montana

As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Montana was 3.4%; that's 0.1% lower than the national average, which was 3.5% at the same time. This rate remained steady throughout the entire 2019 fiscal year, and it is expected to either continue remaining steady or improve in coming years, according to economists.

Unemployment rate is a vital statistic for business owners, as it indicates the job market of a location, which is a strong determining factor in the success of businesses in the region.

There are several areas throughout the state of Montana that are seeing economic booms and where businesses are flourishing. Among those locations include the following cities and the areas that surround them:

  • Billings
  • Bozeman
  • Butte
  • Great Falls
  • Helena
  • Kalispell
  • Missoula

Several industries are seeing substantial growth in MT; however, there are particular sectors that are really thriving in Montana. Among those sectors include:

  • Advanced manufacturing
  • Agriculture
  • Construction
  • Finance
  • Hospitality and tourism
  • Information technology
  • Mining
  • Oil and gas production
  • Retail development
  • Transportation

If you are considering opening a business in any of the above-mentioned areas, your chances of success in Montana are favorable.

Commercial Insurance Requirements In Montana

The Office of the Montana State Auditor, Commissioner of Securities and Insurance regulates insurance in MT. Montana mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Montana requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Montana also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

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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Also find Montana insurance agents & brokers and learn about Montana small business insurance requirements for general liability, business property, commercial auto & workers compensation including MT business insurance costs. Call us (406) 637-8400.

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