Category: Recreational Insurance

Various types of indoor and outdoor businesses require recreational insurance coverage. Businesses primarily offering recreational activities pose certain risks for customers, and they need this type of commercial coverage to ensure protection against these risks. To get started with a policy, give us a call at The Morrow Insurance Agency in Mesa, AZ.

Outdoor Businesses Needing Recreational Insurance

Running a business that provides outdoor recreational activities inherently carries the risk of injuries. These can range from mild to severe, and either can cost your company significantly. Your business would be liable for medical bills and might also have to cover lost wages and legal fees. Recreational insurance policy would cover these costs. Your outdoor business might facilitate activities like hikes, bicycle treks, rock climbing, boating, skiing, ziplining, etc. All these businesses carry the potential for injuries.

Indoor Businesses Requiring This Insurance

It might seem that only outdoor recreational businesses need this insurance, but certain indoor businesses also require it. These can include facilities with rock-climbing walls, ax throwing, indoor skydiving, etc. Any business providing recreational activities always has the potential for injuries. Without insurance, your business may be forced to close due to high injury-related costs.

Obtain Recreational Insurance in Arizona

Your company is vulnerable if you run a recreational business without the relevant commercial insurance. You can address that vulnerability by securing a recreational insurance policy. To get started with a policy for your business, call us at The Morrow Insurance Agency in Mesa, AZ.

If you live in Mesa, AZ, it’s likely that you own some type of recreational vehicle. From boats and campers to ATVs and dirt bikes plus everything in between, recreational insurance is a type of coverage that protects you and your machine should disaster strike. And just like with your house or car, having the right type of policy can prevent you from paying hundreds – or even thousands – of dollars in repairs out of pocket. 

Common Situations Covered By Recreational Insurance

There are many different types of policies available that can vary from provider to provider in both cost and coverage options. In general, however, recreational insurance typically covers the physical damage to property (both yours and others) as well as injuries involved. If an accident results in damage to your machine, other property, or injury to yourself or others, your insurance will typically pay for the additional costs associated after you’ve met your deductible.

When Additional Coverage Might Be Needed

Each policy will have its own list of events and items covered, but some situations may call for additional protection. Some policies will cover loss due to theft or vandalism while others may cover emergency roadside assistance. If your policy doesn’t cover these or other events that you would find beneficial, they can often be purchased as an add-on. If you’re unsure about the specifics of your coverage, you can request that information from your provider or agent.

The Morrow Insurance Agency Is Here To Help

If you live in Mesa, AZ or the surrounding area and need help finding the right recreational insurance policy for your needs, the team here at The Morrow Insurance Agency can help! We’ll work with you to find the coverage you need at a price you can afford.

In the state of Arizona, many people will find that it can be a fun and exciting place to live. Those that are in the Mesa, AZ area will find there are a lot of great trails, parks, and other destinations where they can use their recreational toys. For those that own one of these assets, it is important to remember that it is a big asset and responsibility.

While it is not necessarily required by law, it is important that you have insurance on these assets.

Why Recreational Insurance?

Support to Replace or Repair Assets

One of the ways that you can benefit from having recreational insurance is that it can provide the support you need to replace or repair your asset. If your asset is damaged in an accident or stolen, you will likely want to repair or replace it. However, you could find that doing this is quite expensive. Fortunately, you are able to use your recreational insurance plan to cover these costs.

Liability Insurance

It is also helpful to get this coverage as it offers liability support. If you are at fault in an accident, you will have to cover the damages incurred by the other party. In some cases, these costs can be significant. When you have recreational coverage, you will likely have ample liability insurance to protect you in these situations.

Contact Us Today

If you invest in any type of recreational asset in the Mesa, AZ area, it would be helpful to get the right insurance for it. When you start looking for a policy in this area, it would be wise to call the team with The Morrow Insurance Agency. With so many choices to make, calling The Morrow Insurance Agency can help you assess all of your options and choose a plan that provides the right support.