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Glass Coverage for Wrecking Rooms

Glass Coverage for Wrecking Rooms

There are few sounds more satisfying than breaking glass. Whether it’s a car windshield, a piece of wedding crystal or your ex’s phone hitting the wall, it just feels good when that crash occurs. You can almost feel the stress draining from you. Wrecking rooms are gaining in popularity across the country. People need stress relievers, and they may want breaking glass to be part of that experience. Unfortunately, glass is difficult to insure in wrecking rooms. What’s the Problem? While the crash of breaking glass may be satisfying to business patrons, it does present a problem for insurers. Shattered glass makes a harmful projectile to those creating the breakage, as well as to bystanders. Personal items may also be damaged by flying glass. The glass littering the floor and other flat surfaces can also cause damage or injury. Even a thorough cleaning might not remove small shards.  Safety glass from windshields can cause damage and injury when enough force is applied. Should You Provide Glass Wrecking Objects? Not everyone needs the glass breakage experience to relieve their frustrations, though some may request it. Proper protection in these situations should always be required. Gloves, long sleeves and eye protection should be provided to or required of the person doing the wrecking, as well as any bystanders or other participants. Will Your Liability Release Protect You? If you don’t have participants signing a liability release or waiver prior to participating, you should implement this as soon as possible. A waiver is a good step in protecting your business, but unfortunately they don’t always work. While many states do enforce liability...
Protect Yours: Wrecking Room Insurance

Protect Yours: Wrecking Room Insurance

The world these days is steeped in stress. If essential oils and meditation don’t work, perhaps it’s time for a Wrecking Room? These rooms are popping up all over the country and go by many names including wrecking room, rage room, and demolition room. The premise is simple: grab a tool and take out your stress, rage, anger and/or frustration on everything from old cars to computers. These rooms have been somewhat difficult to insure, since the concept is new (and a little strange). However, Hayes Brokers now has a national program aimed at insuring these businesses. Even if your wrecking room is located in an office building, a standard office policy isn’t going to work for you. Here are some things to know about wrecking room insurance: Premises Liability Insurance Waivers are no guarantee that you won’t be sued in the event of an accident on your premises, but you should require waivers from all participants using your tools and equipment. General liability insurance for your premises is the most important coverage you should purchase for your business. General Liability insurance protects against slip-and-fall injuries on premises, as well as advertising injuries, products and completed operations claims and more. Be sure that your broker is properly insuring your business. If you are purchasing an office package policy for this type of business, you may find yourself without liability coverage in the event of a claim. Most general liability policies may have a classification limitation that excludes coverage for any activities that are not specified in the policy. Property Insurance While much of the property your business owns may...