Handball And Racquetball Courts Insurance Florida

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Handball And Racquetball Courts Insurance Florida Policy Information

FL Handball And Racquetball Courts Insurance

Handball And Racquetball Courts Insurance Florida. Despite the fact that handball and racquetball have some significant differences, including the type of ball used and the fact that one is played with a racquet while the other employs gloved hands, both sports are played on similar courts featuring wooden floors and four walls.

Handball and racquetball centers may offer facilities for many types of sporting and recreational activities including handball, racquetball, and other indoor sports such as basketball, tennis, wrestling, weightlifting, swimming, cheerleading and gymnastics. Lessons may be offered to beginners.

The facility may serve concessions or provide locker rooms for members or guests. Sporting goods may be sold on premises, or repair services offered.

Whether you already own and run a racquetball or handball court or are seriously contemplating starting such a business, you will be aware that these courts can, with hard work and savvy financial decisions, become profitable ventures.

In addition, the owners of handball and racquetball courts play a vital role in promoting health, fitness, and a love of excellent sportsmanship within the communities they serve.

That does not, however, mean that managing a handball or racquetball court does not carry risks - indeed, a broad range of unforeseen circumstances, including some you may not have considered, could threaten the future of your business at any time.

This is why it is crucial to protect your financial health with handball and racquetball courts insurance Florida coverage. To learn what types of insurance you may require, keep reading.

Handball and racquetball courts insurance Florida protects facilities from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do Florida Handball And Racquetball Courts Need Insurance?

As the owner of a FL handball or racquetball court, you will be vulnerable to a range of perils. Some of the risks you have to consider could impact any business, while others are more exclusive to the field of sports.

Some are minor and easily managed, but other events could prove to be so devastating that they could even force you to close your business.

Carrying a comprehensive insurance plan might not be able to prevent disaster from striking, but it does do the next best thing in helping you shoulder the costs. Your facility could, for instance, be hit by an act of nature like a wildfire or earthquake, forcing you to temporarily close your racquetball while you have repair work carried out.

An employee could sustain a work-related injury, or an athlete or other guest might become hurt on your premises and decide to file a lawsuit. You could be burgled, or an act of vandalism could lead to significant property damage.

These are just same examples of the major perils that could spell the end for any business, if they were not properly insured and were responsible for the resulting and - as you can imagine - frequently ruinous expenses.

The modern insurance market offers a wide spectrum of options, and many business owners find them challenging to navigate. Nonetheless, evaluating your insurance needs in-depth is not a step any responsible business owner should skip.

Having the right type of handball and racquetball courts insurance Florida coverage will protect you from financial burden. Should a client become injured while visiting your shop and file a lawsuit, for example, commercial insurance will cover the cost of any necessary medical bills, as well as legal fees.

What Type Of Insurance Do FL Handball And Racquetball Courts Need?

Each business is unique, and that fact is reflected in their insurance needs too. The location of your racquetball or handball court, the size of your business, the value of your equipment, and your number of employees are among many factors that influence the exact types of coverage you will need.

A commercial insurance broker who is deeply familiar with the needs of athletic facilities is best suited to offer you advice tailored to your individual circumstances. The core kinds of handball and racquetball courts insurance Florida needed include, meanwhile:

  • Commercial Property: This kind of coverage is designed to protect your bottom line in case your facility is affected by perils such as acts of nature, theft, and vandalism. It will cover damage to or loss of property as varied as your building, computers, sound systems, and spectator seating.
  • Commercial General Liability: Every company requires commercial liability insurance, which shields them from costs related to lawsuits filed against them by third parties. Whether someone alleges that your company's activities damaged their property (including intellectual property, in case of copyright infringements), or that you were at fault for an injury they sustained on your premises, this kind of handball and racquetball courts insurance Florida helps cover your legal fees.
  • Athletic Participation: Since commercial general liability insurance excludes personal injury claims related to sports activities, handball and racquetball courts will also require athletic participation insurance, which covers the legal expenses related to exactly these circumstances.
  • Workers Compensation: Should an employee sustain an occupational injury, this type of coverage will cover their medical bills. The income they miss out on as they recover is also paid for, and at the same time, workers' comp protects your company from related litigation.

Because your facility may have additional handball and racquetball courts insurance Florida needs not covered here, it is essential to speak to a commercial insurance broker, who will be able to answer all your questions and help you craft an excellent insurance plan.

FL Handball And Racquetball Courts' Risks & Exposures

Premises liability exposure is high due to the number of visitors to the premises and the type of operation. Public and life safety code compliance is very important. Good housekeeping is critical to preventing trips, slips, and falls. Adequate lighting, marked exits, and egress is mandatory. Steps must have handrails, be well-lit, marked, and with good maintenance and repair.

Parking areas should be maintained free of snow and ice. Gym and athletic equipment must be properly maintained and documented.

The facility must provide proper support for the patrons, including staff with appropriate first aid training and supplies, lifeguards for the pool areas, and "spotters" for weightlifting, especially with free weights. Flooring should be well maintained with nonskid surfaces.

Because of a large number of customers served, a significant although easily avoided risk is the transmission of diseases. The absence of simple hygienic practices like hand washing and proper cleaning of surfaces with disinfectants may indicate a morale hazard.

Criminal background checks should be conducted for any employee instructing or supervising children or youth. Security at the facility, as well as in the building, corridors, and any owned parking area needs to be carefully checked and reviewed.

The center may present an attractive nuisance hazard after hours. There must be adequate security to prevent unauthorized entry. The facility may have personal injury exposures from assault, discrimination, defamation of character, false arrest, invasion of privacy, or unlawful detention.

Products liability exposure comes from the sale of sports equipment and any concessions. 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. Repair can add substantially to the exposure.

Workers compensation exposure is moderate due to maintenance of the facility. Maintenance workers can be injured by machinery or incur contact dermatitis, lung, and respiratory illness from working with chemicals. Cooking facilities can result in injury from burns and cuts, slips, trips, and falls. Instructors, coaches, trainers, and others with related positions will have the potential for sports-type injuries or may be assaulted by members or guests.

Property exposure is moderate. Ignition sources include electrical wiring, heating, and air conditioning systems, cooking if there is food preparation, and the buildup of dust and fumes from the maintenance of the courts.

Regular refinishing is required to maintain a good playing surface. The refinishing process creates dust and uses flammable liquids to strip, stain, seal, and finish the floor's surface.

The risk of fire increases dramatically in the absence of proper ventilation and adequate disposal procedures. Flammable liquids, paints, and solvents should be properly stored. Electrical wiring must be up to code and adequate for operations.

If there is a concession stand, all cooking exposures must be properly controlled. Handball and racquetball facilities may be a target for vandalism. Business income loss potential may be high after a loss due to the unavailability of backup facilities.

Crime exposure is from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. There should be a separation of duties between persons handling billing, deposits, and disbursements and handling bank statements.

Stripping the drawers regularly and making deposits at least once a day can minimize theft of money and securities. No money should be kept on the premises overnight.

Inland marine exposure is from accounts receivable if the center bills for dues or services, computers, and valuable papers and records for contracts and members' information.

Bailees coverage should be considered for guest clothing and items that are left in locker rooms or under the direct control of employees. Owned equipment used or taken off the premises can be damaged in transit or stolen.

Commercial auto exposure is generally limited to hired non-owned for employees running errands. If there are owned vehicles, they must be maintained on a regular basis with all service documented.

If the center sponsors a team and provides transportation, such as a bus or van, the driver must have the appropriate license for the transport and an acceptable MVR. If parents and volunteers are used as drivers, verification of insurance should be made and permission slips obtained for minors.

Handball And Racquetball Courts Insurance Florida - The Bottom Line

To protect your operations, employees and members, having the right handball and racquetball courts insurance Florida coverage is essential. To discover what types of policy options are available to you, how much coverage you should invest in and the premium - speak to a reputable commercial insurance agent.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2021 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

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 Florida insurance agents & brokers and learn about Florida small business insurance requirements for general liability, business property, commercial auto & workers compensation including FL business insurance costs. Call us (954) 399-3996.

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