Handball And Racquetball Courts Insurance Policy Information
Handball And Racquetball Courts Insurance. 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 coverage. To learn what types of insurance you may require, keep reading.
Handball and racquetball courts insurance protects facilities from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked handball and racquetball center insurance questions:
- What Is Handball And Racquetball Courts Insurance?
- How Much Does Handball And Racquetball Courts Insurance Cost?
- Why Do Handball And Racquetball Courts Need Insurance?
- What Type Of Insurance Do Handball And Racquetball Courts Need?
- What Does Handball And Racquetball Courts Insurance Cover & Pay For?
What Is Handball And Racquetball Courts Insurance?
Handball and racquetball courts insurance is a type of liability insurance that covers legal and medical expenses for players who get injured while playing on a handball or racquetball court.
This insurance policy is designed to protect the owners and operators of these courts from financial losses if someone gets hurt while playing on their facilities. It typically covers a wide range of claims such as slips and falls, broken bones, cuts, and bruises. Additionally, it may also cover claims arising from damage to the court itself.
The coverage typically includes protection for legal costs, medical expenses, and other costs associated with a claim.
How Much Does Handball And Racquetball Courts Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small handball and racquetball centers ranges from $47 to $79 per month based on location, size, revenue, claims history and more.
Why Do Handball And Racquetball Courts Need Insurance?
As the owner of a 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 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 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 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 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 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.
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.
What Does Handball And Racquetball Courts Insurance Cover & Pay For?
Handball and racquetball courts can be sued for a variety of reasons, such as injuries sustained by players or spectators, property damage, and negligence in maintaining the court. Here are some examples of how insurance can help protect these facilities:
Injury to a player: If a player is injured while playing on the handball or racquetball court, the facility can be held liable for the medical expenses and lost wages incurred by the player. Insurance can help pay for these costs, as well as any legal fees associated with defending against the lawsuit.
Injury to a spectator: If a spectator is injured while watching a game, the facility can also be held liable for their medical expenses and other damages. Again, insurance can help cover these costs.
Property damage: If the court itself is damaged or if personal property is damaged while using the court, the facility can be held responsible for repairing or replacing the damaged items. Insurance can help pay for these costs.
Negligence: If the facility fails to maintain the court properly, resulting in an injury or other damages, they can be held liable for their negligence. Insurance can help cover the costs associated with defending against such a claim.
Overall, liability insurance is crucial for handball and racquetball courts to protect against potential lawsuits and financial losses. It is important to consult with an insurance professional to determine the appropriate coverage needed for each specific facility.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7997 Membership Sports And Recreation Clubs
- NAICS CODE: 713940 Fitness and Recreational Sports Centers
- Suggested Workers Compensation Code(s): 9015 Building or Property Management - All Other Employees, 9016 Amusement Park or Exhibition Operation & Drivers
Description for 7997: Membership Sports And Recreation Clubs
Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation
7997 Membership Sports And Recreation Clubs: Sports and recreation clubs which are restricted to use by members and their guests. Country, golf, tennis, yacht, and amateur sports and recreation clubs are included in this industry. Physical fitness facilities are classified in Industry 7991.
- Aviation clubs, membership
- Baseball clubs except professional and semiprofessional
- Bathing beaches, membership
- Beach clubs, membership
- Boating clubs, membership
- Bowling leagues or teams, except professional and semiprofessional
- Bridge clubs, membership
- Club, membership: sports and recreation, except physical fitness
- Country clubs, membership
- Flying fields maintained by aviation club
- Football club, except professional and semiprofessional
- Golf clubs, membership
- Gun clubs, membership
- Handball clubs, membership
- Hockey clubs, except professional and semiprofessional
- Hunt clubs, membership
- Racquetball clubs, membership
- Recreation and sports club, membership: except physical fitness
- Riding clubs, membership
- Shooting clubs, membership
- Soccer clubs, except professional and semiprofessional
- Sports and recreation clubs, membership: except physical fitness
- Swimming clubs, membership
- Tennis clubs, membership
- Yacht clubs, membership
Handball And Racquetball Courts Insurance - The Bottom Line
To protect your operations, employees and members, having the right handball and racquetball courts insurance 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.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Amusement Parks
- Archery Ranges
- Athletic Fields
- Billiard And Pool Halls
- Bowling Alleys
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Motorsports Racetracks
- Photo Booth
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Sakting Rinks
- Shooting Ranges
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Talent Agency
- Tennis Centers
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
The arts and recreation industry is a vital part of our society and culture, providing entertainment and enjoyment for people of all ages. However, as with any business, there are inherent risks and potential liabilities that can arise. This is where insurance comes into play.
One of the main reasons the arts and recreation industry needs insurance is to protect against financial losses due to accidents or injuries. For example, if a performer is injured while rehearsing or performing, their medical bills and lost wages could be significant. Without insurance, the cost of these expenses could potentially bankrupt a small arts organization.
In addition to protecting against accidents and injuries, business insurance can also cover damages or losses due to weather events, natural disasters, and other unexpected circumstances. For example, if a theater is forced to cancel a performance due to a power outage or extreme weather, insurance can help cover lost income and expenses.
Another important aspect of commercial insurance for the arts and recreation industry is liability coverage. This type of insurance can protect against legal claims and lawsuits if someone is injured or becomes ill while attending an event or using facilities. For example, if a patron slips and falls at a theater, they may file a lawsuit against the venue for damages. Liability insurance can help cover the costs of legal fees and any settlement or judgement.
Overall, the arts and recreation industry needs insurance to protect against financial losses and legal liabilities that can arise in the course of business. Without commercial insurance, small arts organizations and recreational facilities could be vulnerable to financial ruin in the face of unexpected events or accidents.
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.