- Limits from $1,000,000 to $5,000,000
- Occurrence Policy Form
- Coverage for Athletic Participants
- Non-owned and Hired Auto option
- Sex Abuse & Molestation option
- Medical limits up to $25,000
- Deductible options
- Accidental Death & Dismemberment up to $10,000
Comprehensive Liability Insurance Program For Bowling Centers With One Simple Application
Bowling centers are becoming an attraction for all ages. The friendly atmosphere of bowling draws children, teenagers, families, groups, birthday parties, corporate (school, church) team building, dating couples, and, of course, leagues. With the addition of cosmic bowling, centers are finding a new way of attracting teenagers and young adults during the late night hours. Cosmic bowling takes the old “bowling alley” to a new level. The center usually turns out the lights around 11 PM, cranks up dance/disco music, turns on black lights, laser lights, and mirrored rotating ball lights and the party begins. Some centers use indoor fogging machines and UV black lights to expose designs on the walls that are not visible during daylight hours. Most centers are open seven days a week, with later hours on the weekends.
Bowling centers are commonly found in vacant warehouses because of the square footage available from these buildings. Today’s centers offer automatic equipment (scoring machines, ball return machines, pinsetters) to aid bowlers with understanding the sometimes complicated game. Other equipment includes racks, balls, shoes, ball drillers, grinders, lane conditioners, ball cleaning units, cleaners, entertainment equipment (stereo, speakers, cosmic bowling add-ons). Centers offer tables, benches, chairs, rental shoes and balls, lockers, and snack bars. Some facilities obtain a liquor license and sell alcohol on the premises.
Bowling Center General Liability Insurance Requirements And Risk Management
Risk management practices for bowling center General Liability insurance policies include proper maintenance of floors; careful and regular inspection of furniture, ball return machines, and ball racks; regular disinfection procedures for shoes and bowling balls; posting of rules; CPR training and first aid equipment; and having properly trained employees to assist children and new bowlers with shoe/ball selection and instruction. Bowlers should be prohibited from using the facilities without proper equipment and supervision (when necessary).
Even with the utmost attention to details, many people are treated in emergency rooms from bowling-related injuries. Bowlers can slip and fall, fingers and toes can be injured from falling bowling balls, children playing with a bowling ball can drop the ball on each other, bowlers can end up with smashed faces from putting their faces too close to the ball return, or careless bowlers can end up with smashed or broken fingers or wrists. A jammed pin machine can hurt an employee or a curious bowler. These injuries can result in lawsuits and General Liability claims being filed.
The best protection for your bowling center is having both Accident and General Liability insurance with sufficient limits for proper coverage in the unfortunate event of a lawsuit.