Sub-contractor or Employee Insurance

Sub-contractor or Employee Insurance
Sub-contractor or Employee Insurance

If you are the type of business owner that wants things candy coated then this article is not for you.  If you want the bottom line and get it to you straight, then this article might mean something to you.

Many amusement operators, and by that classification I include everything from Inflatables to rock walls and all mechanical devices to paintball fields, have people working for them and classify them as sub-contractors other than employees in hopes to avoid paying taxes and workers compensation.

Well now, get your seat belts on and tightened because you are about to become enlightened! Continue reading “Sub-contractor or Employee Insurance”

When do you want someone named as additional insured?

When do you want someone named as additional insured?
When do you want someone named as additional insured?

A general liability policy only provides defense coverage for the named insured, which means the corporation, LLC, officers, members, employees or volunteers.  If you find yourself with sub contractors coming into your business or activity you need to request insurance coverage from them with limits of at least $1,000,000 per occurrence and name you as additional insured.  I would recommend that you do this for their general liability, commercial auto and workers compensation.

The definition of an ADDITIONAL INSURED is:

An individual or entity that is not automatically included as an insured under the policy of another, but for whom the named insured’s policy provides a certain degree of protection. An endorsement is typically required to effect additional insured status. Continue reading “When do you want someone named as additional insured?”

How Do I Lower Paintball Field Liability Exposures?

Lower Paintball Field Liability Exposures
Lower Paintball Field Liability Exposures

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 but after the first 2 weekends the clipboard comes up missing and you forget about it.  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 article 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. Continue reading “How Do I Lower Paintball Field Liability Exposures?”