Safe Luxury

If I offer a 'get you home safe' service to i.e a football club, is that insurance?

A ‘prepaid - get you home - service’ for football players who become somewhat affected by alcohol on a night out. The idea is that the clubs pay a yearly premium based upon the number of players & the service involves getting the player home safe and a guarantee that the players will get home without driving themselves. is this offering the clubs an insurance contract? and in legal terms, is this a matter or insurance?

Public Comments

1. You're not offering insurance, you're offering personal protection or bodyguard service, depending on the state you're located in. Either way, be ready to have to be licensed by the state to do that, and carry a million dollar bond and a VERY expensive liability policy for your company in order to meet the state requirements for the license. There are only 4 companies that insure private investigators and security companies, the average policy (if they'll even cover you) is $5000 a year.