Rage rooms, which are also called “crash” or “smash” rooms, are spaces that give people (typically, individuals over the age of 18) the opportunity to legally break objects such as electronics, plates, and even vases and other elegant artwork. These rooms, which are found in many cities across the United States, are designed to help you take out your anger about work or life in a safe way by using sledgehammers, golf clubs, and other similar items. However, there are many risks that come with operating these spaces, so it’s important to obtain proper protection by purchasing a rage room insurance policy.
Rage Room Insurance Coverages
A standard smash room insurance policy should include at least three basic coverages: general liability, property insurance, and umbrella coverage. Here is a close look at each of these coverage areas.
General Liability
General liability coverage pays for claims of bodily injury and property damage that are potentially incurred whenever someone uses your rage room. If a customer isn’t careful when smashing objects in the room, they can easily injure themselves and sue you for their injuries. This is why many anger rooms require individuals to wear protective attire such as safety glasses, gloves, and chest shields.
Property Insurance
For rage rooms, property insurance typically includes four primary coverages:
- Building coverage: This protects the physical structure where your rage room is located.
- Contents coverage: This shields the items found in your smash room (their value in dollars)
- Business income and extra expense coverage: This shields your rage room following a covered property loss that forces your company to temporarily close down. Specifically, it covers relocation expenses and lost profits.
- Build-Out Coverage: If you decide to build out your rage room by adding bathrooms, countertops, walls, and more, this coverage will pay for the total replacement cost. This coverage can be especially beneficial in the event of a fire or flood that damages your business.
Umbrella Insurance
Umbrella insurance, which is generally available for homeowners’ or auto policies, can also be obtained for smash rooms and often carries higher liability limits. The additional amount by which you wish to increase your limits depends on your unique coverage needs. Your insurer can help you determine this.
Other Rage Room Coverages
There are three other types of coverages that a rage room insurance policy can include: liquor liability, assault, and sexual abuse.
Liquor Liability
As its name suggests, liquor liability coverage pays for claims of property damage or bodily injury that an intoxicated individual causes in your smash room after you (the policyholder) serves them alcohol. Many states require businesses to purchase liquor liability insurance if they wish to acquire a liquor license.
Assault & Battery
Assault and battery coverage protects your rage room against incidents of physical or verbal violence. If one of your customers intentionally attacks someone in any way, the victim can potentially sue you for creating an unsafe environment. Depending on the insurer, the limits for assault and battery coverage may vary. Also, this coverage is typically available as an add-on to a broader insurance policy.
Sexual Abuse & Molestation
Although it is not the most common risk that can befall a rage room, sexual abuse and molestation claims can arise in this type of business. Therefore, it’s important to acquire this form of insurance, which generally covers all major forms of abusive behavior, including both actual and threatened acts of physical or sexual abuse. Sexual abuse and molestation coverage is often available as a stand-alone policy.
Speak To The Rage Room Insurance Experts
Reach out to the professionals at JMG Insurance Corp for more information about rage room insurance and its benefits. As an independent agency, we work closely with multiple well-known insurance carriers to help clients obtain high-quality solutions (including policy premiums, limits, and deductibles) that match both their needs and budget.
If you own and operate a rage room, you will benefit significantly from purchasing insurance. This type of policy will help protect both you and your customers in the event of claims of bodily injury or property damage, among others.
Call JMG today at (844) 304-7332 or contact us online to learn more about our insurance policies or to request a quote.