Bracing the Rapids: Insurance Options for Oregon River Guides

The number one job of river guides is to ensure the safety of their clients during their adventure into the great outdoors. Businesses that offer guided river activities may encounter high-risk, unpredictable events, which could leave the company prone to lawsuits. The cost of these lawsuits could destroy a small business. Luckily, there are multiple insurance programs that can help river guides avoid legal catastrophe.

Small Business Insurance

Small business insurance, also known as commercial insurance, covers business assets, business interruption, and any other factors leading to financial loss.

General Liability Insurance

This insurance policy features basic coverage protecting against losses that a third party is experiencing when using a business asset or property.

Workers Compensation Plan

This policy is highly resourceful for businesses that work with one or more river guide specialists. It covers medical benefits and wage compensation if an employee becomes sick or injured while working.

Why Insurance for River Guides?

While there are many other considerations river guides can pursue to protect themselves, insurance coverage remains crucial to a business because of the magnitude of potential loss if the company was found responsible for an injury. That's why it is crucial to get in touch with a reliable insurance provider who can help you evaluate your needs. Accidents can happen at any time on the water, making insurance coverage a must if you want to protect yourself and your business. Common accidents on riverboats include:

• Drowning
• Patrons falling out of rafts and getting injured
• Rapids are rough, resulting in property damage
• Workers sustaining injuries from loading and unloading equipment
  

Can Release Forms Offer Protection?

Release forms and signed waivers are mandatory in the rafting outfitter business. Though these waivers provide some form of cushioning against a lawsuit, they are not entirely dependable. The best protection for your business and clients is to have general liability and accident insurance with reasonable limits for sufficient coverage if a lawsuit does occur.

Contact Insurance Lounge for Business Insurance

For business insurance in Grant Pass, OR contact the experts at Insurance Lounge. Our team of insurance experts can help you find the best policy to protect everything you've worked so hard to build. Call us at (541) 479-4975 today.