The Liability Risks to Your Gun Range

Every business requires some form of liability protection. Some industries, such as the firearm industry may require more liability protection than other businesses. If you own a gun range, then you need to consider a multitude of risks. With the right gun range liability management, however, your business should remain in functioning for years to come.

Here are some liability risks that you need to mitigate.

Slips and Falls

One of the most common accidents at a firing range is a slip and fall accident. This is common in most businesses. When someone falls on your property, it is your responsibility. As a business owner, whether it is a guest to your club or a staff member, you are liable for the injuries suffered. Without liability coverage, it may be difficult to handle these costs.

Ear Damage

Firing ranges are loud. It is up to you to ensure that all your clients are protected. If you have defective ear coverings or if someone files a claim against your company for ear damage, then you could have to pay legal fees and medical costs.

Every firearm establishment or gun range requires customized insurance options. Your company has unique needs and it is up to you to ensure that you have adequate coverage.

3 Qualities of Top-Notch Professionals

When you are looking for an insurance policy, it can sometimes feel like car shopping. The salesmen are pushy and trying to get you to buy something you don’t need. However, a quality agent, like those who work for Republic Insurance, can make the biggest difference when trying to narrow down your liabilities and coverage needs. According to programbusiness.com/, a top-notch professional has three important qualities.

  1. Knowledgeability. Your insurance search needs to start with an agent who knows what you need. Don’t go to a company specializing in homeownership if you need commercial business coverage. Use referrals to find an agent with knowledge of your area of coverage and move to the next qualification.
  2. Accessibility. If an agent is too busy to meet with you or answer your questions on the phone, it might not be a good fit. Insurance is a complex business, and you won’t know what you are doing or what you need without an attentive agent helping you navigate the policies.
  3. Boundaries. Your agent should respect your needs and set boundaries on the salesmanship. You shouldn’t be pressured into purchasing excess coverage where liability does not exist. You are to be treated like a valued client and not just a commission check.

Start your search with confidence through these three qualities. You will locate the relationship you need with the insurance provider and its agents.

Secure Your Business With Strong Liability Coverage

When running a business, it is crucial to protect every component from the risks of every day and the litigation of unhappy third-parties. One of these business aspects is your management. It is not uncommon these days for a lawsuit to the board of directors, executives and the company itself. This is why it vital to invest in the right kinds of management liability. Working with a management liability insurance specialist can get you the types of coverage you need to build a strong defense.

What Exactly is Management Liability?

Management liability is the title for the types of insurance that protect those at higher levels of the company. This usually includes directors, managers and officers. This coverage helps you handle the financial burden involved with lawsuits made against these members of management and there are few individual kinds.

Directors and Officers Liability

D&O handles the litigation claiming directors and officers made a negligent decision or acted in a wrongful way. This can include decisions that resulted in the financial loss of a third-party.

Employment Practices Liability

This type of liability protects companies from lawsuits brought forth by employees. Litigation can include alleged sexual harassment, discrimination, wrongful termination, failure to employ and emotional distress.

If you want to learn more about this important coverage, consult a management liability insurance specialist today to get started.