As pickleball’s popularity continues to surge, an increasing number of dedicated facilities like Pickleland (pickleland.com) are opening their doors to cater to this fast-growing sport. However, operating a pickleball center comes with inherent risks that necessitate proper insurance coverage. Here are some key considerations for insuring your pickleball facility:
General Liability Insurance
This foundational policy covers third-party bodily injury, property damage, and personal injury claims that could arise from accidents, injuries, or incidents at your facility. It protects against lawsuits from players, guests, vendors, and others who may file a claim against your business. Make sure to get a policy with appropriate coverage limits.
Property Insurance
This insurance shields your physical facility, including the building, equipment, furnishings, and inventory, from a variety of perils such as fire, theft, vandalism, natural disasters, and more. You’ll want both building coverage for the structure itself and business personal property coverage for the contents inside.
Umbrella/Excess Liability
An umbrella policy provides additional liability coverage beyond the limits of your general liability insurance. This can protect your business assets in the event of a major claim or lawsuit where damages exceed your primary liability limits.
Workers’ Compensation
If you have employees, workers’ compensation insurance is a legal requirement in most states. It provides medical care, disability benefits, and lost wages for your staff if they suffer a work-related illness or injury.
Abuse/Molestation Liability
Sadly, abuse cases can still occur, even in wholesome environments like pickleball facilities. This specialized coverage protects your business if an employee or participant is accused of abuse or molestation while on your premises or at a facility-sponsored event.
By working closely with an experienced insurance agent or broker, you can assess the specific risks your pickleball facility faces and secure tailored coverage. Neglecting proper insurance could leave your business exposed to devastating claims. Make sure to prioritize getting the right policies in place before your facility opens its doors.
