Click to Call  Mortgage change form
Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

Get Directions

Janis-Shunta Insurance Blog

Recreation Insurance Explained

Recreation Insurance Explained

Any outdoor recreation company in the Muskegon, MI area needs recreation insurance, a type of general liability insurance that protects businesses when individuals incur bodily injury or property damage from their operations, equipment, or products. Janis-Shunta Insurance wants you to understand how this necessary insurance covers your business from loss.

The term outdoor recreation company applies to any company operating leisure, sports, recreation, or outdoor business. That means everything from canoe and kayak rentals to a rock climbing wall needs this type of insurance. Outdoor tour guides of any type and rope courses fall into this category, too.

How Does Recreation Insurance Fit Many Businesses?

Rather than a one-size-fits-all policy, we tailor these policies to fit your business’s needs. This customization lets us serve each unique sport or recreational activity without requiring any coverage the business would not need.

When an accident happens, your company becomes legally liable for the injuries caused during participation in your business activities. This includes indemnification, punitive damage, and legal fee costs. To properly protect your business, your recreational insurance policy can include the following types of coverage:

  • Accident Medical,
  • General Liability,
  • Inland Marine,
  • Inland Marine,
  • Professional Liability,
  • Property Insurance,
  • Umbrella Coverage.

Insurance That Grows with Your Company

Since a recreational policy gets customized, you can easily scale its coverage. Let’s say that your business starts out renting canoes and kayaks, but you decide to expand it to also rent bicycles and tandem bikes. You would need to add to your policy and that is easy to do since you can simply call us to add new coverage. The same is true of scaling the opposite way. You might only rent jet skis, for example, during summer. You can drop that coverage when you don’t need it.

Call Janis-Shunta Insurance today to learn how recreation insurance can protect your Muskegon, MI business.