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California Insurance Blog

Active Lifestyles Benefit From Having Recreational Insurance

Recreational insurance is for those with physically active lifestyles who enjoy the outdoors. This type of insurance offers protection for using all-terrain vehicles (ATVs), and “extreme” sports, such as rock-climbing, bungee-jumping, sky-diving, scuba-diving, skiing, snowboarding, surfing, wind-surfing, and more.

This special insurance covers accidents while participating in those sports, which are normally excluded activities in other insurance policies. It is important to check with your agent at THINK Insurance & Financial Services, serving Pomona, CA and the surrounding areas, to be sure you have adequate coverage if you participate in certain recreational activities.

Your agent can help you understand the details of what extra coverage you need and explain the exclusions that exist in your current insurance policies regarding certain physical activities that are considered more dangerous than normal routine lifestyles.

Even senior citizens need to consider this because as the aging of more and more American baby-boomers shows; many older adults are remaining very active in their later years. They might try sky-diving for the first time when they are in their seventies! There is no reason not to live life to the fullest and enjoy all the fun things that can be tried at any age. It is just important to make sure insurance coverage is adequate for any unexpected catastrophes that might occur.

When participating in extreme sports, typically the company offering the experience asks customers to sign a waiver agreement that removes their liability if something goes wrong. For example, you may not have any coverage at all from that company and have waived your rights to sue a company offering bungee- jumping, if the cord breaks. This is the kind of thing that may be covered by recreational insurance. This type of insurance is usually available on a permanent basis or for trips of a shorter duration when participating in these activities, such as when visiting an eco-adventure park. It can be general coverage or related just to some specific activities.

Contact your agent at THINK Insurance & Financial Services serving Pomona, CA to discuss all the details about recreational insurance before participating in any risky activities.

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