Category Archives: Liability Issues

Your Outdoor Adventure Insurance or Outdoor Recreation Insurance Addresses Employee Theft

Outdoor Insurance Group specializes in Outdoor Adventure Insurance and Outdoor Recreation Insurance for all businesses outdoors.  We pride ourselves on years of experience and keen industry knowledge.  Keeping up with key topics is one way in which we offer top quality service. Here’s a look at employee theft statistics, estimated to be on the rise.

Why Does Employee Theft Matter?

“Business Practical Knowledge,” a guide for small businesses, defines employee theft as any stealing, use or misuse of an employer’s assets without permission. The term “employer’s assets” is important because it implies that employee theft involves more than just cash and can include time and supplies, company property.

The U.S. Chamber of Commerce estimates that 75 percent of all employees steal at least once, and that half of these steal repeatedly. Importantly, one of every three business failures is the direct result of employee theft. The American Society of Employers estimates that businesses lose 20% of every dollar to employee theft.  The FBI reports that employee theft is the fastest growing crime in the United States.  That’s a lot of important statistics from distinguished resources to be mindful of for your business.

As a small business who needs Outdoor Adventure Insurance or Outdoor Recreation insurance, you can rely on Outdoor Insurance Group to be a partner in your business and analyze all of your areas of vulnerability, including employee theft.  We create individual solutions to protect each client from risks, protecting the financial future of every business we serve. If you run an outdoor business and you’re looking to buy, renew or update and insurance plan, call today for a free consultation (888) 683-7808.

Hunting Guide Insurance Clients at Outdoor Insurance Group Make Children’s Safety a Real Priority

Outdoor Insurance Group has hundreds of Hunting Guide Insurance Clients.  All hunters, no matter how experienced, can benefit by hunting with a guide to make the most of the experience.  Importantly, when families enjoy this outdoor sporting adventure together, a top priority is safety. Educated hunting professionals will always begin the day by teaching gun safety to parents and their children.

To avoid accidents, always prevent easy access to firearms and keep them only in the hands of experienced professionals.  Being as safe as possible will reduce your child’s risk of harm and accidental injury.  Safety habits that begin at a young age will be carried out through adulthood.  It’s never too early to learn important safety tips.

Some important lessons that hunting guides can pass down to children include:

  • Wearing hunter orange and appropriate clothing to protect from seasonal weather elements.
  • Checking that firearms are clean, free of obstructions and in good working order.
  • Keeping guns unloaded when transporting them to and from the hunting area.
  • Being aware of everyone’s position and watching where all guns are pointed at all times.
  • Steering clear of the trigger until it’s time to shoot.
  • Unloading all guns before dressing the catch.

Keeping children safe is a priority for all of us.  If you want more information, there are many online resources that teach child gun safety.  A thorough internet search will yield a host of educational sites with gun safety lessons that can be beneficial for all children, whether or not hunting is involved.

As one of the top providers of hunting insurance, Outdoor Insurance Group can help all guides looking to buy, renew or update a hunting insurance plan.  We are experienced hunters who understand all risks involved in hunting and address each client’s needs individually with cost-conscious insurance plans.  All guides are invited to call today for a free consultation (888) 683-7808.

OIG Protects Outdoor Recreation Insurance Clients from Hurricane Risks

Outdoor Insurance Group offers complete outdoor recreation insurance coverage packages that guard against all catastrophic occurrences including natural disasters.  Hurricane season is upon us and we saw Harvey hit the Houston area leaving behind billions of dollars in damages.  Irma now threatens the Southeast with the potential to significantly impact the safety of businesses and individuals alike.  Due to their very nature, outdoor recreation outfits are particularly vulnerable.

It’s never too late to check with your insurance provider to be sure that you have the appropriate amount of outdoor recreation insurance coverage if you’re subjected to frequent storm threats.  After the fact, if you experience loss, your first step is to contact your insurance representative to begin to rebuild your business as quickly as possible.  In addition, there are other resources at hand.  After contacting your insurance agent, you can find many valuable resources at the Small Business Administration for example.

If you need help after experiencing a hurricane, visit the SBA for a helpful listing of five steps to hurricane recovery for victims at https://www.sba.gov/blogs/top-five-steps-your-hurricane-harvey-recovery?utm_medium=email&utm_source=govdelivery.

As outdoor recreation insurance specialists, we must apply our own intimate knowledge and skill in all activities and risks so we can create tailored insurance plans for each and every customer’s unique needs.  OIG insures hunting and fishing guides, surfing and paddleboard outfits, RV camps, and more. Knowing all about the sport you’re in and the business you operate, we can develop the perfect outdoor recreation insurance solution for your business.  Whether you run your own outdoor adventure outfit or have an idea for a new one, call an OIG expert today for a free consultation (888) 683-7808.

Bed and Breakfast Insurance

Does Your Bed and Breakfast Insurance Plan Address All of Your Unique Attributes?

Outdoor Insurance Group has become a leader in bed and breakfast insurance with a team of experts who continually monitor the industry, staying ahead of all trends and business risks. Whether you operate a bed and breakfast or a small country or lakeside inn, there are that coverage needs that you alone may need to address. A plan that is good for one bed and breakfast is not necessarily suitable for a comparable business. Insurance providers don’t always tailor plans accordingly to ensure that sufficient coverage is guaranteed while individual plan costs are kept to a minimum. OIG does.

Here are a few examples of how your B&B needs may compare:

B&B insurance plans feature food service liability coverage and plans will vary. Do you serve guests three meals or limit your offerings to breakfast? Is your restaurant open to a larger customer base serving the public or is it strictly for guests? Do you offer complimentary alcoholic beverages? OIG will calculate associated risks based on your specific offerings.

Specialty B&B insurance takes into consideration the unique value of stately properties which may have antiques and fine furnishings and structures with historical and architectural significance. Content insurance, coverage for theft and replacement value for structural damages are important coverage areas and should be included in all plans at appropriate levels.

Guest needs necessitate proper levels of coverage for personal property and medical coverage for onsite liability. OIG plans are tailored to take into consideration changing coverage needs while reservations and vacancy rates vary from season to season.

Bed and breakfasts will always attract tourists who prefer more intimate vacation experiences and industry forecasts project continued business growth in the years ahead. It’s more important than ever to choose an insurance agent that knows the intricacies of the business, tailors specific plans to each client’s individual circumstances, and continues to review client policies to keep coverage in line with business growth and opportunity. To be sure that your B&B is protected, Outdoor Insurance is the best choice for your bed and breakfast insurance plan.

RV Insurance

Properly Insure Your RV Business

OIG RV Insurance Policies and Campground Insurance Address Risks Associated with a Growth Year for Recreational Vehicle Park and Campground Operators

As recreational vehicle owners awaken to the warmer seasons and begin mapping out their summer vacations, it’s more important than ever for the RV parks who will welcome them to review insurance policies to ensure that they are optimally insured. RV and campground insurance are specializations that requires intimate knowledge of risks that only a specialty insurance agent can provide. Outdoor Insurance Group has years of experience in protecting RV park owners to mitigate against a negative impact on a profitable business.

Good News For The Industry

The Recreational Vehicle Association predicts a strong year this year, based on January’s wholesale shipments rising 10.6% over last year’s total, the second best start to a year since 1973, and the benefits of lower gas prices for consumers.

Carefully consider the necessity of addressing risks associated with all of the activities and services that your destination may provide:

  • Fishing
  • Boating
  • Swimming Pools
  • Outdoor sports equipment
  • Showers and laundry areas
  • Food and hospitality services

Are you properly covered for general liability, personal injury, weather-related damages, workplace hazards and more?

Only a professional knows for sure. OIG offers cost effective policies that combine coverage areas to protect you from everything from loss of business to litigation.

This is a big year for the RV industry. Properly insuring your business leaves you free to focus on what you do best, creating memorable vacations for all of your patrons. Make cRV and campground insurance are specializations that require a priority.

Photo Credit: Paul-andré Belle-isle | Dreamstime Stock Photos