Paintball Field Safety Checklist

Paintball Field Safety
Checklist

As a field owner you are faced with several liability issues that you should be aware of.  Usually we are too busy to notice the small details or to attend to all of them.  A check list would help so I have created one as a guideline. I will list 20 quick items that might help you from having claims on your paintball field.  Create your own check list from these ideas.

All paintball field owners should familiarize themselves with the ASTM Safe Practice for Paintball Field Operation (F1777-02) which is available at www.astm.org.  This checklist is for some guidance in starting and keeping your field safe.  It is not the gospel, but a guide. It is written with information from 13 years providing insurance for the paintball industry, from playing paintball for 14 years as a rec player, a tournament player, and a scenario player, owning a paintball field, and owning a family fun center with a paintball field. Continue reading “Paintball Field Safety Checklist”

How Do You Protect Yourself if You Are Self Employed?

How Do You Protect Yourself if You Are Self Employed?
How Do You Protect Yourself if You Are Self Employed?

Most business owners will purchase a general liability policy to protect themselves in case of a lawsuit which is a good first step.  What many people fail to realize is that there are a few other coverage’s that they should also include.

General Liability provides defense cost in case of negligence on behalf of you or your employees.  This provides coverage for bodily injury or property damage.

Property coverage will protect you from damage or total loss of your equipment or supplies.  There are three forms of property coverage we will discuss.

First coverage will be property coverage that provides coverage from fire, theft, wind of your building, equipment, products, inventory, supplies from inside your building.  There is no coverage for this for flood.  There is flood insurance that can be purchased separately to cover your building and property. This does not provide coverage for your equipment or product that leaves the building.  The coverage that provides coverage for your property off premises is called Inland Marine coverage.

The second important coverage is Business Income which is under the property policy and needs to be added.  This provides coverage for your ongoing expenses after an insured loss and the loss of sales due to this insured loss.

The third important coverage is Inland Marine coverage. This provides you with coverage for your property that leaves the premises. If you go off premises to a trade show, set up your equipment at a jobsite, you will need this coverage.  The perils that are covered are fire, theft, vandalism, water damage.

Since you have made a large financial investment for your business it would be financial ruin if someone stole your property, leaving you without a way to create income.  The cost is relatively inexpensive, and provides you the ability to continue operating your business.

What Type of Insurance Does My Business Need?

 

What type of insurance does my business need?

Party Rentals
General liability
Umbrella
Non owned auto
Property
Inland Marine
Commercial auto
Workers Compensation
Assault /battery

Indoor Bounce Centers
General liability
Umbrella
Non owned auto
Property
Inland Marine if property leaves premises
Commercial auto
Workers compensation

Additional coverage’s
Employee dishonesty
Sexual Abuse,/ Molestation
Assault /battery
Money inside/outside Continue reading “What Type of Insurance Does My Business Need?”

Paintball Referee Job Description (Part II)

This paintball referee job description article is designed to share some important concepts for a referee for a paintball field.  Since safety is the main concern we stress that these concepts are followed.  These simple points will help you to run a safer and more profitable paintball business. This is part two of a two part series.  If you missed part I, you can read it here.

Continue reading “Paintball Referee Job Description (Part II)”