A customer accidentally dropping a heavy bowling ball on their feet and breaking a bone to a staff member slipping, tripping, or falling and breaking a leg due to a wet surface - these are some of the risks that can potentially land your bowling center in legal and financial trouble.
With an adequate level of bowling center insurance - you can free your business from any financial liabilities if a lawsuit or a claim arises from an accident that has taken place on the premises of your business.
Why Do Bowling Centers Need Insurance?
Entertainment businesses like bowling centers face a large number of risks, which can land the company in legal and financial trouble. When your bowling center has an adequate level of cover - no matter the accident at hand - the business and its financial standing will be freed of any liability.
For instance, if an intoxicated customer assaults a customer or a staff member or ends up damaging the property of the business - without an insurance policy in place - the business will most likely have to deal with the costs associated to resolve this problem.
If a staff member trips, slips, and falls and ends up breaking a leg - they can sue the company in order to claim compensation to cover their hospital bills, medical costs, lost wages, and other costs associated with the injury.
In other instances, bowling centers are simply required to have a certain level of cover before they are legally allowed to sell to the public.
What Types of Insurance Do Bowling Centers Need?
There are various insurance policies that bowling centers can benefit from. The actual insurance your bowling center needs to take out will depend on a number of factors including the size of your business, the number of employees and company cars your business has, the state your bowling center operates within, and more.
Below, you can find out the most recommended insurance policies for bowling centers in the United States.
How Much Does Insurance Cost For Bowling Centers?
There are many factors that can impact the final cost of your bowling center insurance. Mostly - the final cost will depend on the size of your business and the level of coverage you have opted-in for.
The average bowling center in the United States pays around $120 per month or $1,440 per year on general liability insurance. This insurance will protect your business from any claims or lawsuits that may arise from third-party bodily injuries and property damage.
If your bowling center has any commercial vehicles - then you need to take out commercial auto insurance. This policy will not only protect your company vehicles but also staff and any third party involved in the event of a road accident. Such a policy will cost you around $300 per month or $3,600 per year.
Bowling centers that have employees are legally required to take out worker’s compensation insurance. This insurance will provide cover for your staff if they get injured or fall sick at the place of work. It will cover their medical and hospital fees, lost wages, and other costs associated with the accident at work. You can expect to pay around $100 per month or $1,200 per year for worker’s compensation insurance.
If your bowling center serves alcohol to customers - you are legally required to take out liquor liability insurance. This policy will protect your business, staff, and customers from accidents that may arise from an intoxicated customer. Such policy costs the average bowling center around $150 per month or $1,800 per year.
Typical Insurance Claims For Bowling Centers
Bowling centers most commonly claim insurance when a customer has an accident within the premises of the business. It’s often associated with bodily injuries.
In other cases, bowling centers also claim insurance for property damage in case crucial equipment used for operating bowling alleys malfunctions.
In more rare cases, bowling centers also claim insurance for damages sustained due to vandalism, intoxicated customers, and theft.