Riding Academies/Hunt Clubs

Insurers that specialize in writing equestrian liability and horse mortality also write this coverage. Riding academies or schools are especially difficult risks to insure because the participants are often either beginners learning to ride saddle horses or are experienced riders attempting to acquire new skills, such as jumping. Riding academies also stable horses for owners who ride their own horses … Read More

Bingo Halls

Bingo is a popular game of chance throughout the United States and Canada. Bingo was originally played only at church fairs, social gatherings, and at private schools in order to raise funds. Currently, many states have large-scale bingo games that operate several times a week in large halls under the control of state gaming commissions. Gaming laws vary from state … Read More

Bowling Centers

Bowling is a major recreational activity enjoyed by individuals, families, and groups. Bowling centers can be difficult property exposures to place because standard physical characteristics allow fires to start quickly and spread rapidly. Large, open, undivided areas, unprotected roof supports, large concealed spaces above ceilings and below the alleys, inadequate water supplies, and poor public fire protection in outlying suburbs … Read More

Golf Courses (Public)

Golf is one of America’s most popular recreational activities and golf courses are where many Americans spend much of their leisure time. Elaborate golf courses and clubhouses are found all over the country and these facilities represent large investments that need commercial insurance protection and risk management programs. A number of property and casualty packages currently available insure a wide … Read More

Recreational Clubs Liability

There are as many different types of recreational clubs as there are recreational activities. However, nearly every one involves some element of danger to club members or the general public even when all safety precautions are taken. Common prospects for this coverage include archery clubs, gun, trap, and skeet clubs, hunting and fishing clubs, swim clubs, and skydiving clubs. While … Read More

Sports Camps

Sports camps are popular places for young boys and girls to go to learn basic and advanced skills of tennis, baseball, basketball, football, soccer, and other individual or team sports. Liability coverage, including abuse and molestation, is an important coverage for the camp director and staff. Accidental death and dismemberment and accident medical expense coverage is often considered mandatory for … Read More

Hunting and Fishing Clubs

These clubs own land or lakes stocked with wildlife or game fish. Their facilities are developed and controlled for the exclusive use of members and their guests. Coverage applies to the club’s liability. Underwriters usually evaluate the total acreage, whether it is fenced and posted or not, proximity to traveled roads, whether it is a private club or one owned … Read More

Shooting Range Liability (Trap and Skeet)

Liability insurance is available for trap, clay pigeon, and related target ranges. Programs are available for public ranges and for private operations that are open to members and member’s guests only. Underwriters require detailed information about the layout of the range and distances from roads or other public areas.

Exercise and Physical Fitness Centers

Thousands of men and women spend large sums of money for physical fitness and exercise programs. There are multiple business models. Some facilities offer only very basic services. Others are complex facilities similar to recreational sports clubs and offer additional features such as tanning booths and racquetball and handball courts, in addition to traditional exercise rooms. In most cases, larger … Read More

Fraternal Organizations

Nonprofit fraternal organizations and civic clubs may be insured for their property, liability, and D&O exposures. Examples are the American Legion, Veterans of Foreign Wars, Knights of Columbus, Elks, Moose, and Kiwanis. Employment-related practices liability and liquor liability are optional coverages that also are available.