Paintballing is normally considered as an outdoor activity and as such, its use of buildings is restricted mainly to changing room areas, refreshment facilities, staff, equipment storage and office accommodation.
Types of Insurance Policies
Building and Contents
This should include damage to the building resulting from Fire but should be extended to include other perils such as Storm, Flood and even Accidental Damage.
Such cover should be extended to include all the contents within the building, such as heating units, electrical distribution switchgear, bathrooms, toilets and showers as well as carpets, light fittings, office equipment, bar or coffee shop and kitchen fittings, kept within the premises.
The Paintball guns along, with the stock of paint balls and compressed air cylinders, whilst safely stored, as well as coveralls and protective headgear, should also be including under this section of the policy.
This form of insurance protects the Owner/Operator against any liabilities for which they may be responsible towards Employees during the course of their employment by the business. This would extend to include all types of Employees such as: –
- Catering, Retail, Cleaners and Maintenance
- Clerical or Administrative staff
Public Liability And Professional Indemnity
Public Liability insurance is necessary to protect the Owner/Operator for their general liabilities to the members of the public and paying clients, whilst they are partaking in the Paintballing activities, or just generally visiting the premises.
The Professional Indemnity insurance will protect the Owner/Operator, for example, should loss or injury occur to a client through the provision of inadequate or mistaken advice.
Business Interruption or Lost Profits
Sometimes a business is forced to close completely or restrict trading operations following damage of an insurable peril, such as a Fire or Flood. This results in a loss of income to the business and so this type of insurance will assist in replacing any lost profits during the aftermath of the event and assist the business whilst getting back to a fully operational status.
This is a brief summary of the paintballing insurance coverages recommended for operating a Paintballing Activity Centre within the Leisure Industry. However, as previously mentioned, each Activity Centre will require a different combination of the insurances and by consulting a suitably experienced Insurance Broker, the Owner/Operator can be confident that the correct cover, the right price, will be put in place.