Business owners in West Hartford, CT who are involved in the outdoor recreation industry require special insurance coverage. Whether you rent sports equipment to tourists or provide guide services, your current insurance plan may not offer all of the protection you need. ALLConnecticut Insurance carries a variety of business policies, including outdoor and recreation coverage for adventure-based businesses. What can these policies do for you that traditional liability coverage can’t?

• Operate an ATV rental service? You may be liable for injury or damage caused by your rental equipment, even if you aren’t there when the accident occurs. Outdoor and recreation coverage, in addition to your commercial auto insurance package, ensures that you have the funds to cover any possible financial liabilities.
• Gun ranges are a popular pastime for families and active individuals. Protect your interests from accidents or malicious intent with an active outdoor and recreation insurance policy. Your policy will also cover your food courts, indoor activity areas, and instructors.
• The areas around West Hartford, CT are perfect for fishing, hunting, and other game-related sports. Get your guide service covered to ensure that any accidents don’t ruin your ability to make a living.
• Tour guides who use jeeps and other motorized vehicles to transport their clients need more than commercial auto insurance to protect their interests. An outdoor and recreation policy is the best way to protect your clients, equipment, and your own life.
• RV parks often become second homes for outdoor enthusiasts. However, some guests don’t know how to treat the property of others. When the damage goes beyond what your other insurance policies can cover, your outdoor and recreation coverage can help pay for repairs.

 Contact ALLConnecticut Insurance for more information on protecting your adventure-based business with outdoor and recreation coverage.

 

Sometimes one general insurance policy is just not enough. In the event that you get sued for an exorbitant amount of money, an umbrella insurance policy could save you from financial ruin. Also known as excess liability insurance, umbrella insurance goes into effect once you have reached your basic liability limit or if the claim is not covered by your personal policy. It will help make up the difference in what you owe, so that you avoid the loss of assets, destroying your business, repossession of home, or declaring bankruptcy. AllConnecticut Insurance in West Hartford, CT can help you figure out whether or not umbrella insurance is something you should be considering.

What Does Umbrella Insurance Cover?

While umbrella insurance is a great option for some who might need additional insurance, it is not a complete catch-all. It will not cover just anything. Here are some examples of what it covers:

• Lawyers’ fees
• Other party’s property damage
• Other party’s medical treatment
• Lawsuits involving defamation of character or slander

Here are some examples of what umbrella insurance does not cover:

• Your injuries
• Criminal acts
• Damage to your assets
• Other party’s injuries, for which your business is responsible

Who Needs Umbrella Insurance?

Even though excess liability insurance is not a requirement, there are certain types of people who invest in policy more often than others. Those who commonly purchase umbrella insurance relate to one or more of these factors:

• Property owners
• Have substantial savings
• Likely to be sued
• Have more assets than covered under the personal liability policy

If it sounds like your circumstances call for excess liability insurance, be sure to reach out to AllConnecticut Insurance in West Hartford, CT. They will be able to assess your situation and give you professional advice on whether or not umbrella insurance is the right choice for you.