How to Lower Your Liability Risk
Liability is always a risk in business, and the retreat industry is no exception. However, it is possible to lower your risk. The more thoroughly you prepare ahead of your retreat, the less likely you will encounter costly surprises. Clear and specific information, committed to by clients, reduces the chance for misunderstandings and liabilities. It reduces misconduct, too, creating a safe environment for everyone involved.
By Catherine Kontos
You certainly don’t want responsibility for an ill or injured client who is left stranded with no money to pay for their medical bills. Concerning COVID-19: As a private vendor, you are permitted to require proof of vaccination, antibodies, and/or insurance covering COVID-19 from every client. The decision to do so is up to you. If you choose those stipulations, add them to your sales page and contract along with any testing required during travel or entry to another country.
Here’s my list to avoid legal issues on retreats.
Visas and entry requirements
If you’re planning an international retreat, make sure that the country you plan to visit is open to tourists. Research precise details of entry for that country. The last thing you want is to choose a destination that requires expensive or time-consuming visa applications from your attendees. An entry visa can be denied, or the applicant can wait for a long time to get a response. These expenses and stresses are best avoided through careful planning.
General and professional liability protection is essential.
General Liability Insurance covers any injuries that might occur at an event that takes place in your personal venue. If someone slips, falls, hurts themselves, and chooses to sue, your insurance and contract should kick in to cover your costs. Cover yourself. Draw up a lawyer-reviewed legal contract. Buy insurance if you or your lawyer feel more coverage is necessary. Various kinds of insurance might apply:
Travel and health insurance are non-negotiable
Make sure you and your staff are covered—and DO NOT assume your credit card covers you fully. Call your credit card company and ask for the details to be sent by email. Further, protect yourself by requesting proof of insurance from your participants before it’s time to leave.
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