Bowling centers are popular places for a lot of people. Friends and families enjoy bowling as a way to spend time together. It’s also a fun, informal way for co-workers to get to know each other personally. As the owner of a bowling center you have a lot of details to keep track of. You must keep customers happy, keep employees scheduled and motivated, ensure suppliers deliver products on time and more. Protect your bowling center from potential losses and risks with the appropriate types of business insurance.
General liability gives you an all-around level of business insurance protection for your company and its customers. General liability pays for damages and injuries when accidents happen or unexpected events or risks arise. This insurance protection will automatically grow with your company. This means that when you add new business locations, bowling products and professional services, they are automatically protected as soon as you add them. Several of the most important types of coverage provided for in a general liability policy include:
General Liability Insurance Includes:
- Premises Liability – Bowling centers have a lot of activity happening every day and into the night. With so many people doing physical things inside your establishment, there are bound to be accidents. If a customer is injured in an accident at your bowling alley, your premises liability can pay for the medical expenses that will arise to treat the injuries. Premises liability also protects your customer’s personal property while it’s at your bowling alley. If damages occur, your premises liability can pay for the repairs..
- Products Liability – The products that you sell at your bowling alley are a source of additional revenue. They can also be a potential source of additional risks. If a customer is made ill or harmed physically by the products you sell, your products liability coverage can pay the medical expenses or damages. This insurance also helps pay for your legal defense costs when needed.
- Completed Operations – If your bowling alley provides services to its customers, such as private party accommodations, your customers may sue your company after the services have been rendered. Your completed operations coverage can help protect you by paying litigation expenses, paying the customer’s injuries or damages, and paying settlements or awards.
Business Owners Policy
General liability insurance is included in another type of extended coverage known as a business owners policy, or BOP. A BOP provides you with direct protection for your business assets. This insurance can be tailored to meet the protection needs specific to your bowling alley. Options focus on protecting tangible and intangible business assets, such as:
- Buildings and Contents
- Business Income and Extra Expense
- Electronic Data
- Newly Acquired or Constructed Buildings
- Employee Dishonesty Coverage
Business auto insurance protects your bowling alley from suffering severe financial losses caused by auto accidents. If you or your employees drive for business specific purposes, auto insurance can help pay for damages and injuries that arise as a result of an accident. This coverage can also help protect your vehicles from theft, and pay for damages caused by storms or other hazards.
Workers comp insurance protects your employees if they are ever injured on the job. If an employee is physically injured or becomes ill because of a job specific accident or event, workers comp coverage will pay for medical bills and the related expenses of recovering from the accident.
Umbrella insurance can give your business an extra layer of protection above and beyond your other commercial policies. If you must make large claims against your business insurance policies, they may reach their exhaustion, or maximum, payout limits. When this happens an umbrella insurance policy can give you extra additional levels of protection.