Experts in water sports recreation insurance at advocate protecting patrons in more ways than one. Clients include Surf Shops, Paddleboard Outfits, Surf Camps and Surf Schools. Every activity insured can take place under the sun where protection is of the utmost importance.

Sun exposure poses serious risks. lists risks including pre-cancerous and cancerous skin legions, benign tumors, dilation of small vessels under the skin and the destruction of elastic tissue. There are many types of skin cancer. Melanoma, made up of abnormal skin pigment cells called melanocytes, is the most serious form of skin cancer and causes 75% of all skin cancer deaths. Left untreated, it can spread to other organs and be difficult to control.

Exposure to sun can be limited with proper clothing and sun screen. Select sunscreen with SPFs between 15 and 50 based on your own skin sensitivity and duration of sun exposure, and be sure to reapply often. Do some research on brand names to gauge a product’s safety and effectivness. Zinc oxide is most effective at blocking the sun. Whatever you choose, avoid sunscreen with Vitamin A (retinyl palmitate or retinol) as government data show that it can cause tumors and lesions to develop sooner. Avoid sprays which may be harmful to breathe. staff is more than equipped to assess all of the individual risks for clients, whatever the recreational activity, with its years of specialty insurance experience. Every client is protected from every eventuality. No two companies are insured with the exact same plan. offers a specific and cost-effective outdoor recreation insurance plan that is designed exclusively for each business insured. If you’re in the recreation business, you may need to purchase a policy, add to your existing plan, or simply review your requirements to be sure that you are fully ensured. Visit for personal service that makes a difference in properly managing your risk.