Owning and running a business isn't easy, especially if you don't have liability insurance. Without it, you are opening up to a lot of potentially trouble.
Here are a few reasons why it is important:
1. It Protects After Injury: I get it, you play it safe, you have safety procedures in place, no one is going to get hurt. but listen, accidents do happen. You can't control everything. Your insurance can cover medical bills or other expenses that occur after injury to an employee, customer or any by-stander.
2. It May Protect You in Court: If the injured party rejects your insurance provider’s offer of payment and he or she decides to sue, your policy may offer protection in court.
3. It Can Protect Against Property Damage Costs: If you, your employees or the castle causes any damage to someone's property, your insurance may be able to cover the costs. without it, you will be on the hook which can cost you big time.
4. Some Customers Require Proof of Insurance: Some venues / customers will require proof of insurance before they can book with you. This is almost standard practice for public property or venues. You will be missing out on a lot of revenue if you don't have any.
We do have a few contacts that can help you get set-up or if you have any more questions..
If you're in Canada, you can connect with Rick.
If you're in US, you can connect with Aaron,
Pricing will vary depending on how much coverage you need, states/province, equipment, etc. My recommendation is do your homework - shop around.