Primarily, hazardous activities in relation to insurance simply denote some activities that might heighten up the risk of disease or death to an individual. These may include several activities like mountain or rock climbing, scuba diving, or race car driving. These actions are being considered throughout the life insurance support in order to determine the insurability of a certain applicant.
The most usual and common hazardous activities are amateur boxing, caving, archery, abseiling, coasteering, caving, fencing, BMX, go-carting, jet ski, scooters, skateboarding, surfing, water skiing, weight lifting, white water canoeing, wind surfing, winter sports, wrestling, and zip wire.
One very important note is that playing casually one of the above-mentioned hazardous activities is covered at the minimum rates for personal accident and public liability. For a certain team being registered to a league, coverage is limited to those that will cater players at ages 16 years and below.
With respect to the public liability insurance, hazardous activities are integrated to an additional payment if undertaken to one’s own group or club. There will be no extra or added charges that will be made once the activity is undertaken at a credited centre that has public liability insurance presently at work, which indemnifies the users of the said centre.
Moreover, coverage is exposed to hazardous activities while being disclosed on some specific clubs’ statement of facts, proposal forms, and for some insurers being satisfied with the rules as stipulated by the club as to the process on how the activity is to be accomplished. If hazardous activities are not disclosed and agreed upon by the insurers then coverage may not possibly be operative. On the other hand, if the hazardous activities which are to be added to the certain club activity course part its ways through the years, there is a need for a person to ensure that hazardous activities is accomplished and will be returned to a certain insurance brokers to at least seven (7) days prior to the beginning of the said activity.
As the subject matter speaks of hazardous activities, one example of such is skateboarding. To explain this, skateboarding is covered only as a part of the activities of clubs but is still subject to the strict obedience of some guidelines:
1. The sessions must be supervised by the leader all the time;
2. There should be no access to ramps by the members without the supervision of the some experts;
3. There is a need that ramps being made subject to proper specifications and must be maintained by expert personnel on regular basis;
4. There should be only one person to use the ramp, one at a time;
5. The members must wear the protective gears and/or equipment while skating, namely: kneepads, helmets, elbow pads, or wrist guards;
6. Lastly, whenever the area being used for skate boarding is owned, or is under the responsibility of the club, then it should not be utilized by public members. The reason for this is that insurance programs would not cover the liability made by the general public.