Jumper renting business insurance

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PostPosted: Tue Jul 20, 2010 5:15 am   Post subject: Jumper renting business insurance  

We're about to start our jumper renting business. Do we get business insurance?


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PostPosted: Wed Jul 21, 2010 12:10 pm   Post subject:   

I don't think it would be possible for you to have business insurance for that now.

It's gonnabe 'surplus lines'. Above all, it's gonna depend on your gross sales figure.

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PostPosted: Wed Jul 21, 2010 3:10 pm   Post subject: Jumper Insurance  

I think you mean insurance for bungee jumping? What he means by surplus lines is that the regular insurance carriers will not cover somthing like that (at least in NJ or PA) since it is so dangerous. You would have to go outside that arena. I would first get a price quote and then determine if you can make enough money in your business to cover your expenses.

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PostPosted: Thu Jul 22, 2010 10:00 am   Post subject:   

There are 2 things that you need to take a close look at-

-The worth of coverage that you're looking at.

-The ways in which you're carrying out your business operations. Suppose you're operating your business from within premises, then public liability coverage is a must for you. I'm sure you won't like to meet a claim out-of-pocket in the event someone gets injured within the premises.



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PostPosted: Fri Jul 23, 2010 9:58 am   Post subject:   

I'm sure you'll need Employer's Liability coverage to protect yourself from claims under circumstances when a staff members gets injured and sues you. Please go through your state laws and make sure if it's mandatory for all employers to have such coverage in your state.

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PostPosted: Tue Jul 27, 2010 9:17 pm   Post subject:   

Quote:
I don't think it would be possible for you to have business insurance for that now. It's gonnabe 'surplus lines'.


Quote:
Suppose you're operating your business from within premises, then public liability coverage is a must for you. I'm sure you won't like to meet a claim out-of-pocket in the event someone gets injured within the premises.


Quote:
I think you mean insurance for bungee jumping?


Quote:
I'm sure you'll need Employer's Liability




Sorry, but you did not get much help with each of these answers, most of which is incorrect. Apparently the responding posters have no idea what you mean by a "jumper business". It is definitely NOT the same as "bungee jumping" by any stretch of the imagination.



For the uninformed, a "jumper" is an inflatable "house" or "thing" that (mostly) children play on outdoors (when adults play on them, they are often seen on America's Funniest Home Videos doing something just short of breaking their necks and before they went to the emergency room). Some are elaborate constructions with castle turrets, slides, catwalks, climbing walls, and more, and there are even some that have pools that can be filled with water so that the kids can splash around in them on hot days.



First, you are going to need "Commercial General Liability" insurance. "Liability" means "damages to third parties" (your customers and their friends). You should be able to find this in the standard market, but if not, it would be provided as a "surplus lines" coverage from a "nonadmitted carrier." Whether it is standard market or surplus lines, it is still a COMMERCIAL GENERAL LIABILITY (CGL) policy that you will have.



Employer's liability would not really apply unless you had employees who were setting up the jumper and caused some kind of damage in that act. If you have employees, you'll have to have a Workers' Compensation policy, which will include Employer's Liability. But EL is different than CGL.



Due to the expense of the jumpers and related equipment, you would probably be interested in a COMMERCIAL PROPERTY POLICY that would cover damage, theft, or destruction of the units/blowers. It can be combined with the CGL coverage.



And you'll need to think seriously about a COMMERCIAL AUTO POLICY, because your personal auto policy will not cover the business use of your truck, van, or car to tote the jumper from one party to the next.



Other than the Workers' Comp, you could also obtain the rest of these coverages in a BUSINESSOWNER'S POLICY (BOP) with necessary endorsements.



Whichever way you choose to cover your risks, the premium for the CGL portion of the policy may be determined, in part, by your annual revenue (a measure of the insurer's risk -- more revenue on your part, more opportunities for claims payments on their part). Workers' Comp policy premiums are based in large part on reported payroll. And the auto policy premium is always affected by vehicle type, and miles driven.



Good luck with your business. Jumpers are a hot item here in SoCal. Find a local agent/broker to work with you on this -- via the Internet or in-person.


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PostPosted: Mon May 30, 2011 12:10 am   Post subject: RVZPoYkLbtHU  

Jumper renting insurance.. Corking Smile


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PostPosted: Fri Jun 03, 2011 2:19 pm   Post subject: IgSumaiKCHBUU  

Jumper renting insurance.. Awful Smile


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PostPosted: Tue Feb 28, 2012 10:48 am   Post subject: Insurance for my inflatable jumper business  

I need some recommendations of insurance companies that will cover general liability.


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PostPosted: Tue Feb 28, 2012 11:56 am   Post subject:   

Your best course of action is to work with a local insurance agent/broker where your business is located. He/She will have the answers you need. Each business is different, and different insurance companies deal with them in varying ways.



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PostPosted: Tue Mar 06, 2012 4:15 pm   Post subject: need insurance  

any insurance providers here who can give me quotes... please help.

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PostPosted: Sun Aug 11, 2019 4:42 pm   Post subject: asiame review  

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