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520 E. 4th Street
Royal Oak, MI 48067

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The Importance of Liability Coverage for Recreational Insurance

At Atlas Insurance Agency, we understand that Southeast Michigan recreational activities are a great way to enjoy the outdoors and socialize with friends. However, they can also be dangerous. That’s why it is essential to protect yourself and your property in case of an accident or injury while participating in these activities. 

Understanding Third-Party Liability Coverage for Recreational Insurance

Third-party liability coverage is an essential part of recreational insurance policies. This policy covers the costs associated with injuries or damages caused by someone else’s negligence while participating in a recreational activity, such as a sporting event, a camping trip, or a boating excursion.

Liability insurance is crucial to have in order to protect yourself from the costs of injuries or damages caused by someone else’s negligence. Without this coverage, you could be held liable for any expenses related to the incident. You may even face lawsuits if the other party decides to take legal action against you.

The Benefits of Liability Coverage for Recreational Equipment and Activities

Liability coverage can provide peace of mind while participating in recreational activities by protecting you from potential financial losses. Also, liability insurance helps protect yourself and your equipment should something go wrong on your outing. It can also offer protection against legal fees if a dispute arises over an incident involving third-party negligence. Protecting yourself and your equipment should be your top priority, and liability insurance ensures you can do just that.

Reach Out To Us

At Atlas Insurance Agency, we understand the importance of having liability coverage for your Southeast Michigan recreational activities. We offer a range of policies to fit your needs so you can enjoy the outdoors with peace of mind. Contact us today to learn how we can help protect you while participating in recreational activities.

Why more outdoor enthusiasts in SE Michigan are turning to recreational insurance

Atlas Insurance Agency is proud to serve the Southeast Michigan region. We are here to help you with all of your insurance needs, whatever they may be. If you’re interested in learning more about recreational insurance, stop by our office today.

Benefits of recreational insurance 

Recreational vehicles, like snowmobiles and ATVs, are a lot of fun to own. They make it easy to enjoy the many beautiful natural areas in our region. As much fun as this type of vehicle is, it is also one that comes with some amount of risk. And because of this risk, recreational insurance is a smart idea.

Even if you only use your recreational vehicle on private land, you still have a need for insurance. Accidents can happen anywhere, and damage caused by an ATV or snowmobile comes with liability. If you want to minimize your risk of liability, you will want to have a robust recreational policy in place. 

When you have the right insurance in place, you can protect yourself from financial liability and responsibility for any damage or injury that is caused by the use of your recreational vehicles. No one wants to have to come out of pocket to pay for damages that could be covered by insurance. It’s more important than ever to find out about recreational insurance. If it’s time for you to protect your snowmobile or another recreational vehicle, give us a call.

Stop by our office today

If you are an outdoor enthusiast living in the greater Southeast Michigan region, you can count on the Atlas Insurance Agency team for all of your specialized insurance needs. We are here to help! Give us a call or stop by our office today to learn more.

What you need to know about insuring your recreational vehicle

Atlas Insurance Agency is here to serve the insurance needs of the Southeast Michigan community. If you wonder if your recreational vehicle needs insurance, we can help!

Why insuring your recreational vehicle is a great idea

Insurance can be a confusing subject when it comes to recreational vehicles like ATVs and 4x4s. This is especially true for people who only use such vehicles on private land. Even if you never take your recreational vehicle out on the road or public land, you may still need insurance.

Think about how rough the terrain can be that you ride on. When you have friends and family members over to enjoy riding recreational vehicles, you are also increasing your level of liability. No one wants to even think about what could happen if an accident or mishap should occur when a family member or friend is riding one of your vehicles.

Riding on private land won’t shield you from liability should an accident occur. When you opt for a robust recreational vehicle policy, you are protecting yourself and your riders. Make sure that you won’t have financial responsibility for an accident on your property.

Liability can make any situation more serious. If you are operating recreational vehicles on your land, ensure that you have the protection you need! With a recreational vehicle insurance policy, you can ensure that you have the protection you need.

Give us a call today!

The team at Atlas Insurance Agency is here for the greater Southeast Michigan area. If you have any questions about insurance, including recreational vehicle policies, call or stop by our office today!

Do I need to have a recreational insurance plan in Michigan?

Those that are in the Southeast Michigan area will find that there are a lot of recreational parks, trails, and other active areas that will allow you to enjoy the great outdoors for much of the year. A way that you can enjoy these areas as much as possible is by investing in your own recreational toys. If you are going to get a recreational toy here, having the right insurance is important. You should consider recreational insurance a necessity for several reasons.

Insurance will Protect Asset

An important reason to have recreational insurance is so you can protect your core assets. Any recreational toy owner will want to know they can enjoy their asset for a long time. With the right coverage, you can ensure that this happens. A recreational insurance plan will give support if you incur many forms of loss including theft, accidental damage, or vandalism. 

Insurance Offers Liability Support

While you should be safe and cautious when using any recreational toy, there are still situations in which you can cause an accident. If this happens, you could be found liable for any bodily injury or property damage that you cause. Fortunately, you can mitigate this risk by getting recreational insurance as it will offer liability insurance. This type of coverage could be required to use your recreational toy and asset in certain areas.

Having a recreational toy in the Southeast Michigan area can be a great investment for anyone. Those who are looking to purchase one should make sure that they call the Atlas Insurance Agency to discuss their insurance needs. The Atlas Insurance Agency can continue to provide the support you need to assess your insurance options and build a recreational insurance plan that meets your needs.

Do I Need Umbrella Insurance in Southeast Michigan?

Do I really need umbrella insurance? This is one of the most common questions asked by our Southeast Michigan clients looking for liability coverage. The answer to this question isn’t a simple yes or no. If you want to find out more, keep reading on as Atlas Insurance Agency helps you understand whether you need umbrella insurance.

What is umbrella insurance?

Umbrella insurance is the extra liability insurance that takes over when your current liability coverages run out. Yes, you might have auto, home, or boat insurance, but they can only protect you up to a certain limit. In case of significant claims, these coverages are likely to run out, putting your assets at stake.  

Do you need umbrella insurance?

To determine if you need umbrella insurance, here are some questions to consider.

  • Do you own a pet that can bite?
  • Are you or your family member in the social media space?
  • Do you participate in risky hobbies like hunting or skiing?
  • Do you own significant investments?
  • Are you a youth coach?
  • Do you own a vehicle or a boat?

If your answer is yes, then you need umbrella insurance to protect you when faced with significant liability claims. With lawsuits rising in America, you need an extra layer of liability protection beyond your typical liability coverages. This way, your assets are safeguarded against liabilities not covered by your current liabilities.

Umbrella insurance exclusions

Umbrella insurance covers you against many perils but won’t protect you against the below:

  • Injury to oneself
  • Damage to own property
  • Intentional or criminal acts
  • Liabilities arising from unfulfilled contractual obligations

Get umbrella insurance today

Are you looking for umbrella insurance to boost your liability coverages in Southeast Michigan? Contact Atlas Insurance Agency, and one of our team members will help you choose umbrella insurance that protects you and your loved ones. 

A Thorough Overview Of Recreational Insurance

Atlas Insurance Agency offers coverage to Southeast Michigan residents. We offer our clients custom policies designed to meet their individual needs. We have established partnerships with multiple carriers across the region.

Recreational Insurance Overview

Many Southeast Michigan residents own recreational vehicles. With such a wide variety, you can use them all year long. Recreational insurance can help you protect your investment.

Foundational Coverage

Primarily, your recreational insurance policy protects against any damage sustained in an accident or incident. You can opt for more comprehensive coverage, which covers your vehicle if it is stolen or vandalized. Comprehensive coverage also protects your vehicle if it is damaged due to a fire or another type of natural disaster. Liability coverage is also important. Operating these recreational vehicles can be risky depending on the conditions. Liability coverage protects you if you cause damage to someone’s property. You are also covered if a passenger on your vehicle suffers injuries. Due to the high risk involved with operating many of these vehicles, consider adding umbrella coverage. That adds an extra layer of protection if you eventually have to deal with a liability dispute.

Recreational Vehicle Types

Recreational vehicles appeal to every season. During warm months, you can take your boat out by the lake to have some fun. During snowy winters, you can head to the park on your snowmobile. Motor homes are another popular type of recreational vehicle.


During seasons when you aren’t using your recreational vehicle, you’ll likely put it up in a storage facility. Storage coverage protects your vehicle if anything happens to it. Just because you aren’t using your vehicle, that doesn’t mean you should drop your coverage. Accidents can happen at any time.

Atlas Insurance Agency Will Help You Protect Your Investment

Visit our website to learn more information about recreational insurance.