Premises Liability Insurance
Premises liability covers injuries that happen on your property away from the riding itself — in parking areas, walkways, restrooms, concessions, and other common areas guests use.
Premises Liability for Off-Road Facilities
A riding park is more than a track. Guests park their trucks and trailers, walk to viewing areas, use restrooms, buy food, and gather in common areas. Premises liability covers injuries that happen in those spaces — the everyday slip-and-fall and unsafe-condition claims that have nothing to do with riding but everything to do with operating a public facility.
Where Premises Claims Happen
- Parking & staging: Uneven ground, congestion, and trailer-area incidents
- Walkways & paths: Trips on rough terrain, steps, and unmarked hazards
- Restrooms & buildings: Wet floors, poor lighting, and maintenance issues
- Concessions: Food-service slips, burns, and foodborne-illness claims
- Common areas: Camping, picnic, and gathering spaces on your grounds
Why It's Distinct From Riding Risk
Riding injuries are handled by participant accident and assumption-of-risk waivers. Premises injuries are ordinary public-accommodation claims, and a court treats them very differently — your guest didn't sign a waiver to walk to the restroom. Premises liability (typically built into your general liability program) makes sure those claims are covered.
Reducing Premises Exposure
Good lighting, marked hazards, maintained walkways and buildings, and documented inspections reduce both claims and premiums. We help you align your operations with what carriers expect and structure premises coverage as part of a complete park insurance program.
What's Covered
Frequently Asked Questions
Premises liability is the part of your GL program focused on injuries from the condition of your property — parking, walkways, restrooms, concessions — as opposed to the riding activity itself. We make sure both are covered.
Generally no. A rider's waiver covers riding risk, not a slip on a wet restroom floor. Premises injuries are ordinary public claims that need liability coverage regardless of any waiver.