Last Updated: May 23, 2024, 12:44 pm by TRUiC Team

Batting Cage Business Insurance

Getting insurance for your batting cage business is essential.

Batting cage businesses that have insurance stand a better chance of recouping financial losses that have been incurred due to their operations. Situations covered include property damage, financial setbacks, and legal liability claims resulting from injuries sustained by customers and other affected parties.

For example, a customer may be injured owing to the careless actions of another. The injured customer may choose to sue you believing that since the incident took place in your shop you should bear responsibility. Thankfully, an unwelcome situation like this one can be guarded against with insurance.

We’ll help you find the most personalized and affordable coverage for your unique business.

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Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Batting Cage Business

General liability insurance is — generally speaking — one of the most important insurance policies for batting cage businesses.

Some of the risks general liability insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

While general liability insurance can cover a wide range of risks, it may not be sufficient to cover all of the potential risks that your business may face. In order to ensure comprehensive coverage, it may be necessary to obtain specialized policies that are specifically designed to address these unique risks. These specialized policies may offer additional protection, such as:

  • Commercial property coverage: Insurance of this sort will provide funds to repair or replace damaged property, such as fixtures and fittings. Numerous causes of damage, including fire, flood, and burglary, are typically covered.
  • Commercial auto insurance: Policies cover collision damage to vehicles, as well as compensation to victims for physical injury. This will include the repayment of medical expenses.
  • Business income coverage: Reimburses a business owner for loss of income due to business operations being interrupted. Expenses incurred to mitigate the effects of the interruption are also recoverable.

Insurers fall into two basic categories:

  • Traditional brick and mortar insurers: Included in this category are those insurers who pursue customary methods of product distribution and underwriting.
  • Online insurers: This new class of insurers, like Next which caters to small businesses, rely on digital technologies not only to measure risk and price their products, but also to improve distribution and targeting. As a result, their policies tend to be less costly and accessed more conveniently.

Let's Find the Coverage You Need

The best insurers design exactly the coverage you need at the most affordable price.

Cost of General Liability Insurance

On average, batting cages in America spend between $400 - $1,100 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a batting cage business to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Graph showing average price of general liability insurance prices per industry

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Find the Best Rate

Discover the best coverage at the lowest rate in our cheapest business insurance review.

Common Situations That General Liability Insurance May Cover for a Batting Cage Business

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Example 1: Upon entering the batting cage, a baseball strikes a customer in the back. The resulting injury forces the customer to seek medical attention and he or she is out of work for several weeks. General liability insurance would cover the customer’s medical bills, lost wages, and any required legal representation.

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Example 2: Two customers have an argument and throw a bat, hitting a child. The child’s parent names your establishment in a lawsuit. A general liability policy would cover legal fees and any resulting payout.

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Example 3: You use a photo from a recent baseball event in your newest marketing pamphlet. Your marketing representative failed to obtain permission from one of the customers to use their photo and that customer is now suing your company. General liability insurance would cover your legal representation fees and any resulting payout, up to the limits of your policy.

Other Types of Coverage Batting Cage Businesses Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:

Commercial Property Insurance

If you own the building in which you run your batting cage business, you will need to purchase commercial property insurance as part of your insurance package. In the event of a covered loss, the policy would cover the building as well as business property you keep on-site.

When considering your coverage amount, it’s important to include the cost of any renovations you’ve made to the building and the replacement cost of all business property and specialized equipment stored there.

You can typically purchase this coverage as part of a business owner’s policy (BOP). 

Workers’ Compensation Insurance

Your team is an essential part of your business’ success, so it’s important to cover them should an injury occur on-premises. Workers’ compensation is the state-mandated insurance that covers each employee in the event of a work-related illness or injury. This covers medical bills for an employee’s work-related injuries, offers payment for lost wages, and also provides legal representation should a lawsuit occur.

You must purchase workers’ compensation insurance as a standalone policy.

Product Liability Insurance

If selling baseball equipment is part of your business model, you may also need to purchase product liability insurance. This policy covers situations in which a customer falls ill or is injured by faulty equipment. You can tailor a product liability insurance policy to your business model and the products you sell.

Commercial Umbrella Liability Insurance

A steady flow of customers exposes your business to greater liability risks. Because some claims may exceed the coverage limits of your primary policy, you may want to consider purchasing additional insurance. Commercial umbrella liability insurance increases liability coverage, protecting your business against large covered lawsuits.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your batting cage business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Maintain your corporate veil.

Batting Cage Business Insurance FAQ

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

It is essential to buy insurance before opening a business. Failing to obtain coverage from the outset could jeopardize your enterprise not only due to unforeseen hazards but also legal violations.

Certain forms of insurance, such as workers' compensation and commercial auto insurance, are mandatory by law. Furthermore, your business may need insurance coverage to safeguard against specific risks, such as property damage and personal injury to customers.

Not necessarily. Certain exceptions may be written directly into your batting cage business insurance policy, and some perils may be entirely uninsurable.

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.