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Summer Heights Kayaking Business Plan 1

To Whom It May Concern,

My name is Luke Laurin I plan to develop and create a sea kayaking business on the

shores of Georgian Bay which offers a destination vacation style trip and the joys of sea

kayaking. We are unlike any other sea kayak rental or instruction group in the area we offer

small ratio of guides to clients, proper boat outfitting and hands on learning. The real joy of the

trip comes from getting off the water where our guest stay in luxurious cabins and then dine in

our 5 star restaurant.

We are and industry leader in the specific market and in closed are the necessary tools

to form a successful business which are enclosed here from financial reports, risk assessment,

insurance forms, mission statements, mandates and all details of forming and running a

company.

Thank you for reading and absorbing this information and seeing it as a genuine

opportunity for a business in this small niche market.

Regards,

Luke Laurin


Business Plan- Summer Heights Kayaking

The Business of Outdoor Adventure

Jeff Jackson

Luke Laurin

Wednesday March 21st 2012


Table of Contents

Cover Letter

Title Page

Table of Contents

Executive Summary

Business overview and objectives

Mission statement

Defined objectives (short and long term)

History, overview, business model, ownership, product summary

Industry background

Industry overview and analysis

Opportunity and proof it exists

Market approach

Target market

Product offering

Price

Distribution / purchasing model

Promotional strategy

Comparative advantage / competition

Location and facilities

Financial needs and projections

Startup costs

Cash flow analysis, 24 months minimum

Income statement at 12 and 24 months

Account for differing capacity utilization rates

Break even analysis – provide a monetary,

Time and units sold figure

Balance sheet

Human Resources

Organizational structure

Management team and skills

Personnel plan

Job descriptions


Recruitment plan

Contracts

Induction process

Training

Assessment

Retention and succession plan

Legal

Legal ownership structure

Laws and regulations that apply to operation

Risk management

Hazard assessment (organization & activity)

Systems planning

Environmental risk management


Executive Summary

Enclose in this report is an extensive instructions into creating a destination

retreat for sea kayakers and even resort goers. It contains detailed reports of target

markets, finical reports, risk management, human resource, example documents and

overall structure of the company.

The company will be a corporation with a business to business relationship with

an preexisting restaurant and lodging area witch extensive beach front property and

forested land. SHK will teach personalized kayak instruction with a low instructor to

client ratio and expensive course cost covers for top of the line equipment and

instruction and five star accommodations to be seen as a relaxing and fun time to

spend with family in friends.

The entire facility will be above industry standard and attract the most select

group of people those who are well-educated and well paid making Summer Heights

kayaking one of the most exclusive sea kayaking resort destinations in North America.


Business Overview and Objectives

Mission Statement:

“Summer Heights kayaking mission is to offer the highest quality of instruction and

safety and be an industry leader in the sea kayaking and resort vacation.”

The objectives of the company are very simple we plan on being a successful

small size business. For our short term goals we plan on building our clientele and build

our name stake in the industry. For long term goals we will pay off our startup costs,

renovate our cabins and facility’s and refine our policies to offer the best in customer

service.

The history behind the company is short and still being written, I felt with the

growing number of outdoor enthusiasts and the lack of high end instruction and resort

vacation package all bundled in one. The idea is a family will come on the Friday night

and be able to stay for a 3 or 5 day package where they get their own luxury cabin and

enjoy days spent on the trails or on the water in the sun. Our business management

starts off with our Mission and Identity which is the exact same in our program

development system since they are crucial for both. Next is our business model and this

is how we are going to shape and what we want it to look like in the end product. Then

by applying a strategic market placement in a specific niche we can create a revenue

generating business which is essential. The program development is next since it is

what the company is really offering it is one of the most crucial part in our systems

cause without it there is nothing. When the program starts to generate an income the


financial management will occur and this will cover all the book keeping and accounting

operations. The final stop in this system is reviewing if the business is growing and

maintaining its stability within the market. If there is and discrepancies then we go back

to our mission and identity and match what we originally started with or make it clear

we are re-inventing and publicly change our mission and image.

The ownership of the company is a business to business one with a preexisting 5

star restaurant with a large property and waterfront location; we will also be a

corporation.

In the Outdoor Adventure world there are still many areas of development from a new

activity all together to refining something that has been done for many years. In my

business proposal I will be going into the depths of the sea kayaking industry and

looking into a resort based Sea Kayaking establishment. Sea kayaking is typically done

on coastal areas or large bodies of water and offer rentals and able to send out large

expeditions. There is no Business that has a resort based approach.

My business plan is to create one of the largest destination places for Sea

kayaking in the heart of Muskoka. Located near parry sound on the shores of Georgian

Bay this resort will offer activities for the whole family including spa and 4+ star dinning

and luxurious cabins and for the more adventuresome type 1,3&5 day sea kayaking

experience.


Proof an Opportunity Exists

The opportunity exists in the industry because there is a demand for people

looking for longer family oriented vacations and combined with the sport of sea

kayaking which can be very minimal physical effort and anyone with any previous skill

set can do it.

The average sea kayaking location is one of two options either short

accommodation and usually doesn’t even include accommodations of dinning and are

usually meant for rentals and short term use or long expedition style trips but very

limited in dinning and again accommodations.

0

1

2

3

4

5

6

White Squall

Black Feather

Summer Heights SeaKayaking


The Business Concept

The current name for the company is summer heights kayaking is still subject to

change the name is meant to reflect the main season of operation being the summer

months and heights representing important part of a given time so combined summer

heights kayaking reflects the best part of the summer was my stay here.

We will be located on the shores of Georgian Bay just north of point o barrel and

have a beachfront location. The selling point for the area is being in Muskoka and warm

water and exceptional Sea Kayaking without the consequences of an ocean

environment.

Our target marketing would be average North American family’s people who are

interested in the outdoors and have some vacation time they would like to spend with

their family and see value in living a physically fit lifestyle.

Our product is fairly simple it’s a 1,3 or 5 day sea kayaking experience we offer

intro courses as well as longer more skill and exploration based courses. The facility

itself will have other off water activities. Price for a stay ranges at 100.00 Dollars a

night for accommodations for a family and includes meals. The Sea kayaking instructor

for 1 day is $40.00 per person 3 day is $125.00 per person the five day Sea Kayaking

package is 200$ per person. The spa is 100$ for full day and field game rentals are

included in the accommodation.


Consumers can book their stay online and reserve a time. We are usually booked

up and we have a waiting list so for any cancelations we offer the weekend to who is

ever on the top of the list. We accept online payments for pre-paid weekends and

week-long stays we also accept payment at time of arrival and check in. Our

promotions will be a split effort through online marketing using various social media

outlets as well as television and radio advertisements. For the first several years of the

operation will build a client mailing list to mail out holiday and special event offers as

well as coupons only available to clients on our mailing list.

Financial feasibility

The Market size is fairly large for the geographic region with several million

people living within a 3 hour drive from our facilities and anyone who has a family but is

interested in the sport of just getting away will find our company meets their needs.

Our company operate 4 months out of the year so revenue will peak during the

late spring into summer months then is practically nothing mid-September. We need to

employee a number of employees most will be making minimum wage such as kitchen

staff, housekeeping, and maintenance and so on. Our guide staff will make a salary

depending on experience level as well as certifications. Average family will most likely

spend 600- 800 $ with a stay with us and having enough accommodations for 30

family’s if we get on a weekly base’s 75% capacity we will be earning around $16,000 a


week and having around 20 operating weeks the estimated income in the summer

months would be $320,000.

Start-up Coast for the business is fairly high since we are a resort based

accommodations. We would need at least $ 500,000 for an initial cost. Some of our

major expenses include housing and dinning facilities. Purchasing a section of

waterfront and land is among the larger costs for these operations. Building our

restaurant will take up most of the cost as well as the family cabins. Other notable costs

would be equipment such as lifejackets and boats. Landscaping alone for the facility will

cost us at least 50,000. The number is very high but since it a resort location it is also

required. It can also be done in phases as well cut out for the first 2-3 years half the

cabins and rental fleet.

All these costs are subjected to change but for a company of this size to start up

it needs a firm platform.

The average person that we want to be part of our business is already out there

spending their money on sea kayaking related adventures we just want to bring them

closer to home in a sense and show the unknown beauty that is Georgian bay and the

surrounding area. There is a sense of adventure and relaxation and travel and the

whole resort feel of being pampered appeals to this age bracket who is more interested

in the experience of their stay. Our high price will mean we won’t we affordable to the

average working person this is our vetting process and sets the standard and image we

want as the fanciest facility for the richest and most successful.


Industry and Target Market Overview

Sea kayaking is a growing activity in Canada due to the location geographically

Canada has the most fresh water in the world and is surrounded by beautiful oceans.

The average clientele is almost evenly divided between males and females, with a

slightly higher percentage of female clients. The majority of clients are between 35 and

54 years of age, and travel mainly as couples, families or individuals, rather than with

group tours. Businesses reported that most of their sea kayaking clients stay between 2

and 5 nights in the local community and that over half of their clientele travelled to the

community specifically to participate in sea kayaking activities.”

(www.tourismbc.com/research, 2006.)

Sea kayaking is a large business especially in Canada with over 116

companies in British Columbia alone offering such activities related to sea kayaking.

Such services and products included sea kayak tours (day trips and multi-day trips),

kayak rentals, sea kayak instruction, and recreational and professional guide training.

(www.tourismbc.com/research, 2006.)

Table .1

Participant Numbers in BC, 1996

Kayaking Destination Kayakers User Days

Gulf Islands 7,340 22,020

Johnstone Strait 3,430 20,580

Broken Islands 2,250 13,500

Clayoquot Sound 1,880 11,280

Nootka Sound 1,422 7,119

Broughton Archipelago 1,000 5,475

Kyuqot 615 6,150

Others 11,103 55,446

Total 29,040 141,570

Source: Fisheries & Oceans Canada 2003


With almost 30,000 people going kayaking in B.C alone Which makes 9% of B.C’s

population had gone Sea kayaking that means that’s Canada’s population which in was

1996 was 28,846,761 had done the same in 1996, 2,596,208.5 in Canada went sea

kayaking which is a fairly substantial number.

From the TAMS study in 2005-2006 they said that 2,334,205 of Canadian

travellers which makes up 11% of the 20.9 million (who traveled in that time period.)

Went either canoeing or kayaking in freshwater and 783,552 went canoeing or kayaking

in oceans which make up 4% in Canadian Travelers which comes fairly close to the

projected number in 1996. (TAMS, 2006.)

There is a large market available for a destination sea kayaking facility and with

Georgian Bay offering easy accessibility and breath taking cottage look and feel the

opportunities are endless. The age groups for people who are sea kayaking fit right into

the baby boomer population and now with most of that age bracket retiring there is more

free time and money in a 40-60 year old person’s schedule. With the growing health

craze Sea Kayaking is one of the biggest advantages for a low skill, low risk healthy

alternative.

The sector I plan on developing within is a very small one in the larger picture of

Sea Kayaking. Most businesses are small usually for rentals and day trips and almost

none with overnight attractions. My plan is to create a destination sea kayaking location

with five star dinning and luxurious accommodations as well activities for everyone

including spa and biking tours and you guessed it, Sea Kayaking on the Beautiful

waters of Georgian Bay.


The Competition in the area is fairly limited. There are a large number of sea

kayaking operators as well as fine dining and spa with an outdoor feel but none are

resort based or combined together. Some Business’s that are comparable would be

White Squall who offers limited stays and mediocre dinning and accommodations but a

very extensive Sea kayaking program.

Summer Heights Kayaking

White Squall

Black Feather

Sea Kayak BC

Sea Kayaking BC has a lodge based facility but only features a 3 night stay and

doesn’t focus on a finer dinning aspect like we do but offers more a relax spot after your

day trips and not a cabin or tent.

High Price

Low Price

Resort Based Non-Resort Based


There are around 200 Sea kayak operators in Canada with just over half being in

BC alone. Almost none are offering the opportunities Summer Heights kayaking has to

offer. Nationally there isn’t the general landscape or economy able to support sea

kayaking in the same size comparable to North America.

The opportunity is a resort based destination kayaking facility on the beautiful

shores of Georgian Bay in the Muskoka region of Canada. No Where else can you find

Luxurious accommodations, Fine dining, Spa Treatment, as well some of the nicest sea

Kayaking in Canada. We will also be offering winter packages with sled rides,

Scandinavian spa treatment, ice rink & much more.

The majority of people who are sea kayakers recreational or avid are all among

the baby boomer population all make a substantial income and have a larger budget

then the average Canadian considering the higher costs of the activity. Approximately 1‐

in‐10 are in their mid‐thirties to mid‐forties and about one fifth are 55 years of age or

older. While Sea Kayakers’ age distribution closely resembles the age profile of all

American tourists, it differs from the typical U.S. visitor to British Columbia, particularly

at the older end of the age spectrum. Specifically, almost half of the Americans who

have recently taken an overnight pleasure trip to the province are 55 years of age or

over but only one‐fifth of the sea kayaking market is at least 55 years old. Men (57%)

are somewhat more likely to be Sea Kayakers than are women (43%), with younger

men (18 to 34 years) representing about one‐quarter of the market and younger women

representing only about one‐sixth.” (TAMS, Research Resolutions and Consulting Ltd.

March 2007.) Although this comes from American numbers being closely linked

economically to the United States the numbers would remain similar.


Table 2.

Race and education along with income is the next big key factor in the

participants in this activity. Sea kayaking is on the expensive side of things for an

average participant you would have to include travel, lodging equipment rental and

insurance and it’s not always for your average Joe. The people who are doing this sport

are either 1 of two things. First they are on the younger side of the age scale (18-25

years of age) who are outdoor enthusiasts and second people over the age of 55 who

are finding something to do in their retirement and have disposable income but would

like to enjoy natural beauty’s.


Table 3.

Table 3 shows the trends of average income and race as well as education level

attained in relation to the number who are sea kayakers and can be similar to the of

Canada.

The ideal target market for operators would be in the above tables to

either in the high adventure younger side of things mainly expedition style or with the

older crowd of people who would most do it on a day trip and more natural interpreting.


For companies this would have to do with their location geographically someone who is

on more of the oceanic side of things might appeal to older crowd just because of travel

costs and living expenses among the coastal cities. The opportunity is present due to

the high number of people travelling to the coastal cities are generally all older cause of

high cost and expenses if we offer an even more luxurious package in their own

backyard then they are able to spend double the money on the resort along cause travel

cost will be a fraction of going out west or east.

My target market is fairly large mostly consisting of White well educated male

and females who are around 45 and older with kids and grandchildren. As you can see

in the below charts that come from a recent TAMS studies and are the same as

previously posted


The average person that we want to be part of our business is already out there

spending their money on sea kayaking related adventures we just want to bring them

closer to home in a sense and show the unknown beauty that is Georgian bay and the

surrounding area. There is a sense of adventure and relaxation and travel and the

whole resort feel of being pampered appeals to this age bracket who is more interested

in the experience of their stay. Our high price will mean we won’t we affordable to the

average working person this is our vetting process and sets the standard and image we

want as the fanciest facility for the richest and most successful.


Product Offering:

A walk through our classic weekend stay would be the best way to highlight all the

features and offering we have of the product we are selling. Arrival is around 12 pm on

Friday you check into your room get settled then we have a beach afternoon soaking up

the afternoon sun get fitted in your kayaking gear have drinks and listen to some

music, then we will be offering dinner from 5:30-9:00pm we offer a fire on the beach

most nights and some form of live entertainment.

The Saturday breakfast is served at 6:00am till 10:30am then depending on what

your pre signed up for all activities start at 11:00am and run until 4:30pm the four

packages we offer our main Sea Kayaking package which offers an all Saturday day trip

and a sunrise paddle on the Sunday, our spa package is two days off full spa

treatments and relaxation therapy and we also offer a bike and kayak package where

they participants kayaks the Saturday and bikes around the large property trails the

Sunday morning. Guest’ are to check out of their rooms by 2:30pm.

Price:

Price for a stay ranges at 200.00 Dollars a night for accommodations for a family

and includes meals. The Sea kayaking instructor for the 3 day is $125.00 per person the

five day Sea Kayaking package is 250$ per person. The spa is 100$ for full day and field

game rentals are included in the accommodation. The bike package is $50.00 a day per

person. The average couple or family is most likely spending $1000.00 dollars on a

single stay with us. This means with 23 villas available and working at 75% capacity the


resort should gross around $525,000.00 over a 21 week operating season. With a

target market of older successful predominately white North Americans this means most

of our clientele is making a good living and makes us slightly more expensive than the

average going rate we can ensure exclusivity.

To operate our business we would need full rental equipment and housing and a

staff team of around 20 people most working for a minimum wage of 10.25 an hour

plus deductions for staff housing and meal plan. We plan on making an average of

$10,000 in profit and anything more will return to form of asset within the company the

banked amount will be used to pay for larger projects and expansions.

Distribution / purchasing model:

This product is a destination product so most of our target market will purchase us

through booking a reservation online at our website. We also cater to phone order

were out customer service representative is available mon-fri 9-5 and can help build the

perfect package for you and your family. We don’t typically take drop-ins since we

require reservations for cabins two weeks in advance and we have a store in our main

facility for purchasing clothing or candy/snacks as well as photo’s from your stay from

our professional photography crew. We direst almost all our customers to our website

where they can chat with a rep or design their own trip as well use our secure payment

network to place a down payment. We also will accept full payment at time of check in

if they have a reservation.


Promotion:

The target market is in the baby boomer stage to it is an older group all well–

educated some retired some in a good job that offers vacation time and flexibility. We

will start our marketing approach in local newspapers in the GTA and Ottawa area. We

will be running 3 radio advertisements in the 5:00pm slot hopefully in hope catching

people on their local commute. We will have several TV spots. Our webpage will be

easy to access and will also purchase advertising with Google to come up in top

searches such as kayaking vacation, destination, fine dining, and luxury vacation. This

will help our target market find us when searching for their yearly trips. We are taking a

more traditional approach and using the tool of repetition both visual and auditory.

Sample Website Page:


Sample Brochure:


Sample Web Ad:

The company will have a limited social media strategy because of our target

market we feel it would be a loss and to focus our efforts on other resources. We will

have a face book page and updated it with upcoming events, deals and we will put up

an extensive photo album and if we are having anything special occurring albums of

such events.


Comparative advantage/ competition:

We are unlike anything available to the market. With the perfect target market

for a resort based location including luxury food and accommodation in a beautiful

location no one has shown any interest to this unique sector. There is lots of room to

grow with very little competition in the entire Sea kayaking industry no one see’s the

activity as an anchor point for a company even though it has so much depth and is

dynamic enough to fit all age groups and skills level and attracts a wide variety of

people for so many reason. Summer Heights kayaking offers the best of the best and

nothing less.

Location and Facilities

The location is in Parry Sound on the Shores of Georgian Bay, We offer stunning

beach front location and resort stay with top of the line facilities and spectacular views

in our quiet remote style resort. Our equipment is housed in a temperature controlled

facility and our spa is among the top in the Muskoka area.

Start-up Costs

The following chart shows the initial start-up costs of Summer Heights Kayaking

(SHK). All are fundamental assets to the company.

Asset /Item Price in CND$ Total Source

20 Sea Kayaks $1875.00 $37’500.00 MEC.CA


25 Touring

Paddles

$250.00 $6750.00 ATPaddles.com

25 Salus PFD’s $129.00 $3225.00 Paddle Shack

15 Mountain

Bikes

$350.00 $5250.00 Norco.com

Office Supplies $3000.00 $3000.00

Marketing Funds $10’000.00 $10’000.00

Rent 10’000/ Month $120’000.00

Total $185,932.00

SHK rough start up Cost’s will be around $200’000.00. We choose to rent land

from a pre-existing resort with accommodations and spa. SHK plans to work in a

partnership to create the program in a business to business relationship.

Cash Flow Analysis

The following is a representation of the first year of operations cash flow

worksheet at around 40% capacity. The second image is the Second Year at again 40

% then you can see the change in net income when I try the numbers operating at

65% capacity for two years and again in 85% capacity and finally showing what the

company would be bringing in at 100% capacity over a two year projected cash flow

worksheet.


The first year’s cash flow at 40% as you can see would be considered a bad financial investment you can see how in debt

they are after the first year and on a steady decline. I started off with a 100,000.00 dollar investment and that would be sufficient in

getting a business started in the next several projections you can see where the company would make a better investment.


Monthly Cash Flow @ 40% for period from: January 2012 to:Janaury 2013January February March April May June July August September October November December Totals

Openning Balance 100,000.00 66,348.00 50,696.00 34,768.00 17,748.00 -9,279.00 -24,352.00 -27,089.00 -24,185.00 -36,416.00 -53,636.00 -70,518.00

Income

Resort Px 9 9 9 9 9 15 20 25 12 9 9 9 144

Accomidations (400 x Night) 3600.00 3600.00 3600.00 3600.00 3600.00 6000.00 8000.00 10000.00 4800.00 3600.00 3600.00 3600.00 28800.00

3 Day Sea Kayaking Px 0 0 0 0 5 7 15 20 5 0 0 0 52

3 Day Sea Kayaking (Px x 175) 0.00 0.00 0.00 0.00 875.00 1225.00 2625.00 3500.00 875.00 0.00 0.00 0.00 9,100.00


5 Day Sea Kayaking (px x 300) 0.00 0.00 0.00 0.00 600.00 1,800.00 2,400.00 3,000.00 600.00 0.00 0.00 0.00 7,000.00

Spa Px 9 9 9 9 7 7 5 7 8 9 9 9 97

Spa ( Px x 100) 900.00 900.00 900.00 900.00 700.00 700.00 500.00 700.00 800.00 900.00 900.00 900.00 9,700.00

Biking Px 0 0 0 0 0 5 7 5 10 5 0 0 32

Biking( Px x 50) 0.00 0.00 0.00 0.00 0.00 250.00 350.00 250.00 500.00 250.00 0.00 0.00 9,732.00

Snowshoeing Px 8 8 2 0 0 0 0 0 0 0 3 8 29 382 Total Px

Snowchoeing ( Px x 50) 400.00 400.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 400.00 1,450.00

Income for month 4,900.00 4,900.00 4,600.00 4,500.00 5,775.00 9,725.00 13,525.00 17,200.00 7,075.00 4,500.00 4,650.00 4,900.00 86,250.00 Total Income

Expenses

Variable Resort expense:

guide wage 340.00 340.00 220.00 180.00 280.00 500.00 700.00 840.00 500.00 280.00 240.00 340.00 4,760.00

Resort Maintence 2% 98.00 98.00 92.00 90.00 115.50 194.50 270.50 344.00 141.50 90.00 93.00 98.00 1,725.00

food 10% 490.00 490.00 460.00 450.00 577.50 972.50 1,352.50 1,720.00 707.50 450.00 465.00 490.00 8,625.00

Equipment Maintence 2% 98.00 98.00 92.00 90.00 115.50 194.50 270.50 344.00 141.50 90.00 93.00 98.00 1,725.00

Total variable expense 1,026.00 1,026.00 864.00 810.00 1,088.50 1,861.50 2,593.50 3,248.00 1,490.50 910.00 891.00 1,026.00 16,835.00 Total Var. Expense

Fixed expense:

Salary 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00

Sea Kayaking Expenses 6,000.00 0.00 0.00 6,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12,000.00

Total fixed expense 20,700.00 11,700.00 11,700.00 12,200.00 18,200.00 15,400.00 12,300.00 12,500.00 11,700.00 12,200.00 12,200.00 12,200.00 163,000.00 Total Fix. Expense

Total Expense (month) 21,726.00 12,726.00 12,564.00 13,010.00 19,288.50 17,261.50 14,893.50 15,748.00 13,190.50 13,110.00 13,091.00 13,226.00 179,835.00 Total Expense (Fix+ Var)

-93,585.00 NET INCOMEGain (Loss) for month -16,826.00 -7,826.00 -7,964.00 -8,510.00 -13,513.50 -7,536.50 -1,368.50 1,452.00 -6,115.50 -8,610.00 -8,441.00 -8,326.00

Closing Balance 83,174.00 58,522.00 42,732.00 26,258.00 4,234.50 -16,815.50 -25,720.50 -25,637.00 -30,300.50 -45,026.00 -62,077.00 -78,844.00


The Second year at 40% operating capacity is much like the first it is a bad investment choice and wouldn’t be recommended by

any.



Openning Balance -78,844.00 -112,496.00 -128,148.00 -144,076.00 -161,096.00 -188,123.00 -203,196.00 -205,933.00 -203,029.00 -215,260.00 -232,480.00 -249,362.00

Income

Resort Px 9 9 9 9 9 15 20 25 12 9 9 9 144



3 Day Sea Kayaking (Px x 175) 0.00 0.00 0.00 0.00 875.00 1225.00 2625.00 3500.00 875.00 0.00 0.00 0.00 9,100.00


5 Day Sea Kayaking (px x 300) 0.00 0.00 0.00 0.00 600.00 1,800.00 2,400.00 3,000.00 600.00 0.00 0.00 0.00 7,000.00

Spa Px 9 9 9 9 7 7 5 7 8 9 9 9 97

Spa ( Px x 100) 900.00 900.00 900.00 900.00 700.00 700.00 500.00 700.00 800.00 900.00 900.00 900.00 9,700.00

Biking Px 0 0 0 0 0 5 7 5 10 5 0 0 32

Biking( Px x 50) 0.00 0.00 0.00 0.00 0.00 250.00 350.00 250.00 500.00 250.00 0.00 0.00 9,732.00


Snowchoeing ( Px x 50) 400.00 400.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 400.00 1,450.00


Expenses


guide wage 340.00 340.00 220.00 180.00 280.00 500.00 700.00 840.00 500.00 280.00 240.00 340.00 4,760.00

Resort Maintence 2% 98.00 98.00 92.00 90.00 115.50 194.50 270.50 344.00 141.50 90.00 93.00 98.00 1,725.00

food 10% 490.00 490.00 460.00 450.00 577.50 972.50 1,352.50 1,720.00 707.50 450.00 465.00 490.00 8,625.00

Equipment Maintence 2% 98.00 98.00 92.00 90.00 115.50 194.50 270.50 344.00 141.50 90.00 93.00 98.00 1,725.00

Total variable expense 1,026.00 1,026.00 864.00 810.00 1,088.50 1,861.50 2,593.50 3,248.00 1,490.50 910.00 891.00 1,026.00 16,835.00 Total Var. Expense

Fixed expense:

Salary 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00




-93,585.00 NET INCOMEGain (Loss) for month -16,826.00 -7,826.00 -7,964.00 -8,510.00 -13,513.50 -7,536.50 -1,368.50 1,452.00 -6,115.50 -8,610.00 -8,441.00 -8,326.00

Closing Balance -95,670.00 -120,322.00 -136,112.00 -152,586.00 -174,609.50 -195,659.50 -204,564.50 -204,481.00 -209,144.50 -223,870.00 -240,921.00 -257,688.00




Openning Balance 100,000.00 66,636.00 53,870.00 38,098.00 19,078.00 -2,708.00 -11,901.00 31,919.00 86,749.00 103,499.00 86,659.00 68,689.00

Income

Resort Px 12 15 12 9 15 23 70 80 40 12 10 12 310



3 Day Sea Kayaking (Px x 175) 0.00 0.00 0.00 0.00 1750.00 3325.00 10500.00 12250.00 5250.00 0.00 0.00 0.00 33075.00


5 Day Sea Kayaking (px x 300) 0.00 0.00 0.00 0.00 1,500.00 1,200.00 3,000.00 3,000.00 3,000.00 0.00 0.00 0.00 9,750.00

Spa Px 10 13 9 9 12 10 20 30 20 12 10 12 167

Spa ( Px x 100) 1000 1300 900 900 1200 1000 2000 3000 2000 1200 1000 1200 16,700.00

Biking Px 0 0 0 0 7 10 20 5 15 7 0 0 64

Biking( Px x 50) 0 0 0 0 350 500 1000 250 750 350 0 0 16,764.00


Snowchoeing ( Px x 50) 500.00 650.00 200.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 250.00 500.00 2,100.00


Expenses


guide wage 400.00 520.00 260.00 180.00 680.00 860.00 2,200.00 2,300.00 1,500.00 380.00 300.00 440.00 10,020.00

Resort Maintence 2% 126.00 159.00 118.00 90.00 209.00 294.50 870.00 1,005.00 525.00 120.00 105.00 130.00 3,751.50

food 10% 630.00 795.00 590.00 450.00 1,045.00 1,472.50 4,350.00 5,025.00 2,625.00 600.00 525.00 650.00 18,757.50

Equipment Maintence 2% 126.00 159.00 118.00 90.00 209.00 294.50 870.00 1,005.00 525.00 120.00 105.00 130.00 3,751.50

Total variable expense 1,282.00 1,633.00 1,086.00 810.00 2,143.00 2,921.50 8,290.00 9,335.00 5,175.00 1,220.00 1,035.00 1,350.00 36,280.50 Total Var. Expense

Fixed expense:

Salary 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00




-23,705.50 NET INCOMEGain (Loss) for month -16,682.00 -6,383.00 -7,886.00 -9,510.00 -10,893.00 -4,596.50 21,910.00 27,415.00 8,375.00 -8,420.00 -8,985.00 -8,050.00

Closing Balance 83,318.00 60,253.00 45,984.00 28,588.00 8,185.00 -7,304.50 10,009.00 59,334.00 95,124.00 95,079.00 77,674.00 60,639.00

In this cash flow worksheet you are able to see that operating at 65% in comparison to 40% dramatically changes the

income of the company and improves its financial stability. The bank account for the company only goes into the negative for one

month and then again rises. The second year if almost identical just slight variations in opening and closing balances.




Openning Balance 83,639.00 50,275.00 37,509.00 21,737.00 2,717.00 -19,069.00 -28,262.00 15,558.00 70,388.00 87,138.00 70,298.00 52,328.00

Income

Resort Px 12 15 12 9 15 23 70 80 40 12 10 12 310






Spa Px 10 13 9 9 12 10 20 30 20 12 10 12 167

Spa ( Px x 100) 1000 1300 900 900 1200 1000 2000 3000 2000 1200 1000 1200 16,700.00

Biking Px 0 0 0 0 7 10 20 5 15 7 0 0 64

Biking( Px x 50) 0 0 0 0 350 500 1000 250 750 350 0 0 16,764.00


Snowchoeing ( Px x 50) 500.00 650.00 200.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 250.00 500.00 2,100.00


Expenses


guide wage 400.00 520.00 260.00 180.00 680.00 860.00 2,200.00 2,300.00 1,500.00 380.00 300.00 440.00 10,020.00

Resort Maintence 2% 126.00 159.00 118.00 90.00 209.00 294.50 870.00 1,005.00 525.00 120.00 105.00 130.00 3,751.50

food 10% 630.00 795.00 590.00 450.00 1,045.00 1,472.50 4,350.00 5,025.00 2,625.00 600.00 525.00 650.00 18,757.50

Equipment Maintence 2% 126.00 159.00 118.00 90.00 209.00 294.50 870.00 1,005.00 525.00 120.00 105.00 130.00 3,751.50

Total variable expense 1,282.00 1,633.00 1,086.00 810.00 2,143.00 2,921.50 8,290.00 9,335.00 5,175.00 1,220.00 1,035.00 1,350.00 36,280.50 Total Var. Expense

Fixed expense:

Salary 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00




-23,705.50 NET INCOMEGain (Loss) for month -16,682.00 -6,383.00 -7,886.00 -9,510.00 -10,893.00 -4,596.50 21,910.00 27,415.00 8,375.00 -8,420.00 -8,985.00 -8,050.00

Closing Balance 66,957.00 43,892.00 29,623.00 12,227.00 -8,176.00 -23,665.50 -6,352.00 42,973.00 78,763.00 78,718.00 61,313.00 44,278.00




Openning Balance 100,000.00 72,432.00 66,930.00 57,218.00 41,854.00 28,438.00 39,813.00 126,673.00 219,983.00 252,333.00 242,730.00 227,430.00

Income

Resort Px 20 25 20 15 25 45 120 140 65 20 15 17 527






Spa Px 17 20 18 13 12 10 20 30 20 12 10 12 194

Spa ( Px x 100) 1700 2000 1800 1300 1200 1000 2000 3000 2000 1200 1000 1200 19,400.00

Biking Px 0 0 0 0 10 25 40 50 30 7 0 0 162

Biking( Px x 50) 0 0 0 0 500 1250 2000 2500 1500 350 0 0 19,562.00


Snowchoeing ( Px x 50) 900.00 1,150.00 600.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 750.00 3,900.00


Expenses


guide wage 700.00 860.00 600.00 260.00 940.00 1,600.00 3,400.00 3,200.00 1,800.00 540.00 400.00 540.00 14,840.00

Resort Maintence 2% 212.00 263.00 208.00 146.00 324.00 562.50 1,410.00 1,485.00 725.00 219.50 150.00 175.00 5,880.00

food 10% 1,060.00 1,315.00 1,040.00 730.00 1,620.00 2,812.50 7,050.00 7,425.00 3,625.00 1,097.50 750.00 875.00 29,400.00

Equipment Maintence 2% 212.00 263.00 208.00 146.00 324.00 562.50 1,410.00 1,485.00 725.00 219.50 150.00 175.00 5,880.00

Total variable expense 2,184.00 2,701.00 2,056.00 1,282.00 3,208.00 5,537.50 13,270.00 13,595.00 6,875.00 2,076.50 1,450.00 1,765.00 56,000.00 Total Var. Expense

Fixed expense:

Salary 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 30,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00




57,000.00 NET INCOMEGain (Loss) for month -13,784.00 -2,751.00 -4,856.00 -7,682.00 -6,708.00 5,687.50 43,430.00 46,655.00 16,175.00 -4,801.50 -7,650.00 -6,715.00

Closing Balance 86,216.00 69,681.00 62,074.00 49,536.00 35,146.00 34,125.50 83,243.00 173,328.00 236,158.00 247,531.50 235,080.00 220,715.00

Starting a company at 85% is very finically viable. The company will lose a little money in the initial months but then during

the regular operating season see an incredible rate of improvement. The second year of operations if very similar again just

different opening and closing balances.





Income

Resort Px 20 25 20 15 25 45 120 140 65 20 15 17 527






Spa Px 17 20 18 13 12 10 20 30 20 12 10 12 194

Spa ( Px x 100) 1700 2000 1800 1300 1200 1000 2000 3000 2000 1200 1000 1200 19,400.00

Biking Px 0 0 0 0 10 25 40 50 30 7 0 0 162

Biking( Px x 50) 0 0 0 0 500 1250 2000 2500 1500 350 0 0 19,562.00


Snowchoeing ( Px x 50) 900.00 1,150.00 600.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 750.00 3,900.00


Expenses


guide wage 700.00 860.00 600.00 260.00 940.00 1,600.00 3,400.00 3,200.00 1,800.00 540.00 400.00 540.00 14,840.00


food 10% 1,060.00 1,315.00 1,040.00 730.00 1,620.00 2,812.50 7,050.00 7,425.00 3,625.00 1,097.50 750.00 875.00 29,400.00



Fixed expense:

Salary 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 2,500.00 30,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00





Closing Balance 206,931.00 190,396.00 182,789.00 170,251.00 155,861.00 154,840.50 203,958.00 294,043.00 356,873.00 368,246.50 355,795.00 341,430.00





Income

Resort Px 30 25 25 15 30 51 160 180 65 25 18 20 644






Spa Px 17 20 18 13 12 10 20 30 20 12 10 12 194

Spa ( Px x 100) 1700 2000 1800 1300 1200 1000 2000 3000 2000 1200 1000 1200 19,400.00

Biking Px 0 0 0 0 10 25 40 50 30 7 0 0 162

Biking( Px x 50) 0 0 0 0 500 1250 2000 2500 1500 350 0 0 19,562.00


Snowchoeing ( Px x 50) 900.00 1,150.00 600.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 750.00 3,900.00


Expenses


guide wage 700.00 860.00 600.00 260.00 940.00 1,600.00 3,400.00 3,200.00 1,800.00 540.00 400.00 540.00 14,840.00


food 10% 1,460.00 1,315.00 1,240.00 730.00 1,820.00 3,052.50 8,650.00 9,025.00 3,625.00 1,297.50 870.00 995.00 34,080.00



Fixed expense:

Salary 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 36,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00





Closing Balance 89,156.00 75,061.00 68,174.00 56,356.00 42,686.00 44,449.50 108,391.00 224,996.00 300,586.00 312,679.50 301,980.00 288,679.00

Now if the company were to operate at 100% capacity for two years which is about 644 family’s since the cost is featured

into fitting a family of four the net income is close to 100,000$ this would go towards buying asset’s within the company like more

land so the rent would be cheaper as well as paying off initial loans and accounts.





Income

Resort Px 30 25 25 15 30 51 160 180 65 25 18 20 644






Spa Px 17 20 18 13 12 10 20 30 20 12 10 12 194

Spa ( Px x 100) 1700 2000 1800 1300 1200 1000 2000 3000 2000 1200 1000 1200 19,400.00

Biking Px 0 0 0 0 10 25 40 50 30 7 0 0 162

Biking( Px x 50) 0 0 0 0 500 1250 2000 2500 1500 350 0 0 19,562.00


Snowchoeing ( Px x 50) 900.00 1,150.00 600.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 750.00 3,900.00


Expenses


guide wage 700.00 860.00 600.00 260.00 940.00 1,600.00 3,400.00 3,200.00 1,800.00 540.00 400.00 540.00 14,840.00


food 10% 1,460.00 1,315.00 1,240.00 730.00 1,820.00 3,052.50 8,650.00 9,025.00 3,625.00 1,297.50 870.00 995.00 34,080.00



Fixed expense:

Salary 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 36,000.00

Insurance 3,000.00 0.00 0.00 0.00 0.00 3,000.00 0.00 0.00 0.00 0.00 0.00 0.00 6,000.00

rent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 120,000.00

office 200.00 200.00 200.00 200.00 200.00 400.00 300.00 500.00 200.00 200.00 200.00 200.00 3,000.00

promotion 500.00 500.00 500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 500.00 1,000.00 1,000.00 1,000.00 10,000.00





Closing Balance 277,835.00 263,740.00 256,853.00 245,035.00 231,365.00 233,128.50 297,070.00 413,675.00 489,265.00 501,358.50 490,659.00 477,358.00


Summer Heights Kayaking Summer Heights Kayaking

Income Statement Income Statement

31-Jan-14 31-Jan-14

Operating at 65% Operating at 85%

Revenue: 187,575.00$ Revenue: 294,000.00$

Operating Expense: Operating Expense:

guide wage 4,760.00$ guide wage 4,760.00$

Resort Maintence 2% 1,725.00$ Resort Maintence 2% 1,725.00$

food 10% 8,625.00$ food 10% 8,625.00$

Equipment Maintence 2% 1,725.00$ Equipment Maintence 2% 1,725.00$

Salary 24,000.00$ Salary 24,000.00$

Insurance 6,000.00$ Insurance 6,000.00$

rent 120,000.00$ rent 120,000.00$

office 3,000.00$ office 3,000.00$

promotion 10,000.00$ promotion 10,000.00$

Sea Kayaking Expenses 12,000.00$ Sea Kayaking Expenses 12,000.00$

Total op expense 191,835 Total op expense 191,835

Net income -$4,260 * Net income $102,165 *

*note W/D *note W/D

This is a comparative statement looking at the company’s projections over a two

year period and increasing up to 25% your net income almost comes out of the

negative value and the company would be rising slowly. The comparative stamen shows

what it would look like if the business where to have 65% in the first year and then

raise to 85% capacity in the second year of operation.

Summer Heights Kayaking Summer Heights Kayaking

Income Statement Income Statement

31-Jan-13 31-Jan-14

Operating at 40% Operating at 65%

Revenue: 86,250.00$ Revenue: 187,575.00$

Operating Expense: Operating Expense:

guide wage 4,760.00$ guide wage 4,760.00$

Resort Maintence 2% 1,725.00$ Resort Maintence 2% 1,725.00$

food 10% 8,625.00$ food 10% 8,625.00$

Equipment Maintence 2% 1,725.00$ Equipment Maintence 2% 1,725.00$

Salary 12,000.00$ Salary 24,000.00$

Insurance 6,000.00$ Insurance 6,000.00$

rent 120,000.00$ rent 120,000.00$

office 3,000.00$ office 3,000.00$

promotion 10,000.00$ promotion 10,000.00$

Sea Kayaking Expenses 12,000.00$ Sea Kayaking Expenses 12,000.00$

Total op expense 179,835 Total op expense 191,835

Net income -$93,585 * Net income -$4,260 *

*note W/D *note W/D


The financial projections for this company are as above and again you can see

the balance sheets on the excel file attached. Operating anywhere in the 70-85%

range the company is doing well. The balance sheet do not balance for the first initial

projection since nothing is purchased so loans and actual cost of equipment and cash

on hand or in bank are all quotes and estimations.

Break Even Analysis

Breakeven Point = Fixed Costs/ (Unit Selling Price - Variable Costs):

181,000.00 / (1075 – 1000) = 2413 x 1075

= 2,594,333.00

The Company BEP is 2413 units or we must have a revenue of

2,594,333.00 Which grossing a revenue of 294,000.00 a year average it will take about

9 years for the company to break even from its investments which is a good number

cause most companies do not start seeing a profit till their tenth year and we will be

doing the same on this given timeline of SHK running at 85% capacity for 8.8 years.


Balance Sheet


Balance Sheet

31-Jan-14

Operating at 85%

Assets: Liabilities and Owner's Equity

Accounts Receivable -$ Liabilities

Office Supplies 3,000.00$ Accounts Payable 100,000.00$

Cash in Bank 341,430.00$ Rent 120,000.00$

Equipment 105,450.00$

Owner's Equity 229,880.00$

Owner Capital

Total Assets 449,880.00$ Total Liabilities 449,880.00$

and Owner's Equity


Balance Sheet

31-Jan-13

Operating at 65%

Assets: Liabilities and Owner's Equity

Accounts Receivable 40,000.00$ Liabilities

Office Supplies 3,000.00$ Accounts Payable 100,000.00$

Cash in Bank 60,639.00$ Rent 100,000.00$

Equipment 105,450.00$

Owner's Equity 9,089.00$

Owner Capital

Total Assets 209,089.00$ Total Liabilities 209,089.00$

and Owner's Equity


Human Resources

Organizational Structure

The organizational structure of the company is set up with upper management a

lower tear and then our guiding staff. The two management positions are the owner

and manager and the lower tear is our assistant manager who runs the day to day

tasks. We have a team of seven guide staff involved with the company 5 sea kayaking,

1 biking guide and 1 hiking guide.

The order of command goes from the top being upper management through to

guide staff, the guide staff works on a seniority structure so someone who has been

with the company has the most pull in decision making.

Manager

Assistant Manager

Senior

Sea Kayaking

Guide

Senior

Sea Kayaking

Guide

Mountain Bike Guide

Hiking

Guide

Sea Kayak Guide Sea Kayak Guide

Sea Kayak Guide


Management Positions

Owner/ Head Manager:

- Wilderness First Responder

- Business experience

- Team Development strategy

- Experienced Sea Kayaker

- Accounting and Book Keeping Experience

Assistant Manager:

- Wilderness First Responder

- Business experience

- Team Development strategy

- Experienced Sea Kayaker

- Management Experience

- Program Development Experience

- Minimum Age 23

- Accounting and Book Keeping Experience


Job Descriptions

Position Title Owner/ C.E.O/ Manager

Position Number SHK001

Position Classification Owner

Organizational Unit Upper Management

Location Everywhere

Tenure Full -Time

Responsible to Organize and hire all upper and middle management and oversee

all operations

Employment

Conditions

Work an average of 60 Hours a week and is on a fixed salary.

Business Unit Environment

Work in developing a program that can offer the best SHK experience and develop a successful

continuation strategy. The owner will also work with all the book keeping and accounting

aspect’s as well as develop a market plan with the Assistant Manager

The Role

To work with the entire staff and provide a safe and friendly environment for clients to use All

the equipment and instruction provided. Also to do what’s in the company’s best interest when

making business decisions. The Manager will also be responsible for all business and financial

decisions and develop and run a continuation strategy.


Position Title Assistant Manager/ Program Manager


Position Classification Assistant Manager

Organizational Unit Middle Management

Location Everywhere

Tenure Full -Time

Responsible to Organize and hire all seasonal staff and oversee all program

operations

Employment

Conditions

Work an average of 60 Hours a week and is on a fixed salary.

Business Unit Environment

The Assistant manager will work with the seasonal staff in developing a program suited

to the needs and expectations of the clients. They will also be in charge of hiring staff and all

office administration regarding the facility and its programming.

The Role

The Assistant manager will be in charge of all the seasonal employees and offering all

training and providing staff with proper equipment and placing orders for any new equipment

needed. The Assistant Manager runs all the day to day tasks such as guest services and having

a very notable field presence.


The Role

The role of the sea kayak guide is the offer industry standard instruction and standard

when teaching clients and developing their skills so they are safe when paddling on their own.

They will also be ambassadors of SHK and will always wear proper safety equipment when

working. A certain level of personal development is required such as ongoing skill development

and instruction.

Position Title Sea Kayak Guide


Position Classification Field Staff

Organizational Unit Crew

Location Field

Tenure Full – Time Seasonal

Responsible to Provide instruction and safety for all clients of SHK and lead in

industry standard practices.

Employment

Conditions

Work an average of 40 Hours a week and is on a hourly wage.


THE ROLE The role of the mountain bike guide is to run and operate the mountain bike facility on

locations this includes but is so subjected to: Trail maintenance, equipment repair, guided

tours, trail medic & all other duties associated with the department. The Mountain bike guide

will continue to be at an industry leading standard and be capable of performing his or her

duties no matter the conditions and be able to offer the SHK experience.

Position Title Mountain Biking Guide




Location Field


Responsible to Provide instruction and safety for all clients of SHK and lead in

industry standard practices.

Employment

Conditions

Work an average of 40 Hours a week and is on an hourly wage.


The Role

The role of the Hiking guide is to offer hiking trips and be able to educate through

nature eco-friendly practices in the outdoor world. Be able to create games and activities and

also have orienteering skills. The Hiking guide must be a wilderness first responder and have

extensive knowledge of the outdoor world and complex understanding of eco systems and how

they work.

Position Title Hiking Guide




Location Field


Responsible to Maintain hiking trails and lead hiking adventures in a safe effective

manner and be well knowledgably in eco-friendly practices.

Employment

Conditions

Work an average of 40 Hours a week with an hourly wage.


Recruitment Plan

SHK takes the hiring process very seriously since it is a small operation and very

close knit. We will be going to event trade shows and expo’s where not only are we

trying to find new guests but we are also keeping an eye open for potential employees.

We will be sending emails and phone calls to local university and outdoor programs so

we can get potential graduates who are well versed in all the necessary requirements

and tasks.

Since we are looking for experienced sea kayak guides we will also be entering

the online database for paddling instructors for Paddle Canada. Since we have a small

staff team with a low turnover we might only have 1 or 2 spots open every year so we

feel so pressure is doing much of the recruitment but hold it to be a very prestigious

company to work for that pays well and our employees like to stay and will do being the

effort to get us to notice their presence.

Sample Employment Contract

THIS AGREEMENT, made as of the __5th__ day of __09__ , 2012__.

Between:

Summer Heights Kayaking., a company incorporated pursuant to the laws of the

Province of Ontario

(hereinafter referred to as "the Employer")

OF THE FIRST PART

-- and --


John Doe

(hereinafter referred to as "the Employee")

OF THE SECOND PART

WHEREAS the Employee and the Employer wish to enter into an employment

agreement governing the terms and conditions of employment;

THIS AGREEMENT WITNESSETH that in consideration of the premises and mutual

covenants and agreements hereinafter contained and for other good and valuable

consideration (the receipt and sufficiency of which is hereby acknowledged by the

parties hereto), it is agreed by and between the parties hereto as follows:

Term of Employment

The employment of the Employee shall commence the date hereof and continue for an

indefinite term until terminated in accordance with the provisions of this agreement.

Probation

The parties hereto agree that the initial six (6) month period of this agreement is

"probationary" in the following respects:

The Employer shall have an opportunity to assess the performance, attitude, skills and

other employment-related attributes and characteristics of the Employee;


The Employee shall have an opportunity to learn about both the Employer and the

position of employment;

either party may terminate the employment relationship at any time during the initial

six month period without advance notice or justifiable reason, in which case there will

be no continuing obligations of the parties to each other, financial or otherwise.

Compensation and Benefits

In consideration of the services to be provided by him hereunder, the Employee, during

the term of his employment, shall be paid a base salary of $_14.00_ an hour and be

paid on bi-weekly installments, in arrears, less applicable statutory deductions. In

addition, the Employee is entitled to receive benefits in accordance with the Employer's

standard benefit package, as amended from time to time.

Duties and Responsibilities

The Employee shall be employed in the capacity of ___, the current duties and

responsibilities of which are set out in Schedule "A" annexed hereto and forming part of

this agreement. These duties and responsibilities may be amended from time to time in

the sole discretion of the Employer, subject to formal notification of same being

provided to the Employee.


Termination of Employment

Subsequent to completion of the probationary term of employment referred to in

paragraph 2 herein, the Employer may terminate the employment of the Employee at

any time:

for just cause at common law, in which case the Employee is not entitled to any

advance notice of termination or compensation in lieu of notice;

without just cause, in which case the Employer shall provide the Employee with

advance notice of termination or compensation in lieu of notice equal to:

1 month plus 2 weeks per year of completed service with the Employer, to a maximum

of fifteen (15) months.

The Employee may terminate his employment at any time by providing the Employer

with at least eight (8) weeks advance notice of his intention to resign.

Restrictive Covenant

Following the termination of the employment of the Employee by the Employer, with or

without cause, or the voluntary withdrawal by the Employee from the Employer, the

Employee shall, for a period of one year following the said termination or voluntary

withdrawal, within the Province of Ontario refrain from either directly or indirectly

soliciting or attempting to solicit the business of any client or customer of the Employer


for his own benefit or that of any third person or organization, and shall refrain from

either directly or indirectly attempting to obtain the withdrawal from the employment by

the Employer of any other Employee of the Employer having regard to the same

geographic and temporal restrictions. The Employee shall not directly or indirectly

divulge any financial information relating to the Employer or any of its affiliates or

clients to any person whatsoever.

Confidentiality

The Employee acknowledges that, in the course of performing and fulfilling his duties

hereunder, he may have access to and be entrusted with confidential information

concerning the present and contemplated financial status and activities of the Employer,

the disclosure of any of which confidential information to competitors of the Employer

would be highly detrimental to the interests of the Employer. The Employee further

acknowledges and agrees that the right to maintain the confidentiality of such

information constitutes a proprietary right which the Employer is entitled to protect.

Accordingly, the Employee covenants and agrees with the Employer that he will not,

during the continuance of this agreement, disclose any of such confidential information

to any person, firm or corporation, nor shall he use same, except as required in the

normal course of his engagement hereunder, and thereafter he shall not disclose or

make use of the same.


Assignment

This agreement shall be assigned by the Employer to any successor employer and be

binding upon the successor employer. The Employer shall ensure that the successor

employer shall continue the provisions of this agreement as if it were the original party

of the first part. This agreement may not be assigned by the Employee.

Severability

Each paragraph of this agreement shall be and remain separate from and independent

of and severable from all and any other paragraphs herein except where otherwise

indicated by the context of the agreement. The decision or declaration that one or more

of the paragraphs are null and void shall have no effect on the remaining paragraphs of

this agreement.

Notice

Any notice required to be given hereunder shall be deemed to have been properly given

if delivered personally or sent by pre-paid registered mail as follows:

to the Employee: [address]

to the Employer: [address]


and if sent by registered mail shall be deemed to have been received on the 4th

business day of uninterrupted postal service following the date of mailing. Either party

may change its address for notice at any time, by giving notice to the other party

pursuant to the provisions of this agreement.

Interpretation of Agreement

The validity, interpretation, construction and performance of this agreement shall be

governed by the Laws of the Province of Ontario. This agreement shall be interpreted

with all necessary changes in gender and in number as the context may require and

shall enure to the benefit of and be binding upon the respective successors and assigns

of the parties hereto.

IN WITNESS WHEREOF the parties hereto have caused this agreement to be executed

as of the 1st day of June 2012

__________________________ __________________________

WITNESS Summer Heights Kayaking .

__________________________ __________________________

WITNESS JOHN DOE


Induction Process

For new or returning staff the induction can be done in a single afternoon by

coming into the lodge and filling out a few forms. We have several forms to sign some

are legal and others in house. Our in house forms are our: Policy and procedures, what

is harassment, contracts if not already signed. Some of the Legal forms we get the

returning or new applicants to sign are there T4 tax forms and we also get them to

bring us a criminal record check and a vulnerable sector act because the majority of our

daytime clients are younger children or school groups. Here are a few examples of the

forms we get out employees to sign.

Our induction process is very simple and most forms can be sent in via fax and

only lastly signing the documents and having any witness’s is really what it is for. We

also get out employees to sign a waiver form that the clients sign due to off time use

they might have on the course while not on the clock as a liability issue.

Training

Training for new staff will be a week long exercise seeing if for one they are right

for the company and if the company is right for them. The candidate will shadow one of

our more experienced staff members and get a feel for the average work week. For

field staff orientation and training is very simple they just do the average work day with

the head sea kayak guides course to build good habits. The support staff training is

very different since all the support staff positions are in the office and they require


previous experience they are just introduced to all the equipment and the location and

the already in place system.

The way our company choose to instill confidence and reliability in our

employees in the training process is by showing them good habits and giving them

industry standard skills and ability’s we also test and instruct our employees on a

regular basis for ongoing success.

Retention and Succession Plan

We really promote continuing growth within our company and we push for our

employees to seek out the best form of training and experience and most of our

employees do this by taking the technical ability’s they receive at our course and apply

it to others to help raise the standard in a wider area. We want our staff to be fresh and

youthful so we really try and get our older staff to realize their true potential and even

go and start their own guiding career.

Due to the way our pay scale system is set up unless you are a fix salary

supervisor you will not be making enough money to support yourself with. So for

individuals eventually will be looking for a full time year round job that pays well they

will advance in the career on their own, and for those who stay and make it to middle

and upper management level they will be the stability the company need to keep things

consistent.


Legal

The legal ownership structure is set up as a corporation and this is done through

a business to business relation with a restaurant and lodging company with an excess

of grounds and waterfront location. All program and activities will be dealt through SHK

while all dinning and lodging issues are towards the restaurant. The waiver forms are

signed are for the program activities specifically.

We need to a hear to all laws and regulations that are within the given

geographic location and we also will be required to follow the laws set out by the

Canadian coast guard when dealing with boat travel i.e. lifejackets, safety equipment…

We will also have to abide by all laws with employment and running a restaurant and

lodging and being at par with industry standard.

Risk Management

The general overview to the risk assessment when dealing with the program

itself would be dealing with potential safety risks involved with all water sports, all

activities that use equipment, and all activities that use physical effort. The programs

potential for risk comes from the amount of exposure so a longer time exposed would

offer a greater exposure to risk. The business risk would be trying to get involved in an

already competitive area for sea kayaking and trying to vary the product in such a way

that its appeal will sell. The market risk that is involved would be the competition of the

sea kayaking industry and the lack of governing body in Canada today. Some


organizations have tried setting a standard but due to Canada’s vast area and changing

water conditions no one certification holds up nationally. This can be seen as a risk to

the company.

“Summer Heights Kayaking will expose clients only to the inherent risks involved

with sea kayaking and activities provided. All equipment and instruction will be of

industry standard and the systems based approach to our risk management will

minimize exposure wherever possible. Our goal as a company is to get people outside

and enjoying the benefits of water sports and a healthy lifestyle. Our staff is fully

trained to in meeting our clients’ needs in the safest manner.”

Organizational Planning System

The organizational structure of the business will be in place through such items

as our mandate and philosophy, mission statement and determining ownership and

governance within the company.

The company is a for-profit partnership this is because we will be operating with an

already existing restaurant with land opportunities. The governance will come from the

two owners. Our risk tolerance will reflect our mission and identity and follow hand in

hand with our philosophy and mandate.

Program Planning and Development System

This part of our RM system is small but very important because it is what we are

actually doing. Our product we are selling has to go through several processes before


we can sell it; we need to determine what our objectives are then establish parameters

and identify options. Once we have a good idea of what we want to do we will develop

a plan to fit it and then run our summer programming as to the plan. At the end of the

summer we will review and assess though customer and client feedback and making

any necessary changes to suit out clientele.

Client Information System

Our client information system starts with our marketing message and we use

techniques to vet out and screen our clients so they know what we are about and we

only get the clients we want. Our contractual exchange will be online or over the phone

when they reserve a location and we take a down payment. When they get to our

location they fill out their participant information’s sheets and will sign a legal release

and waiver form. Before there is any actual activity there will be a group safety debrief

and instruction will be given when the participant leaves it will be the end of the

contractual agreement and we will request guest feedback.

Equipment Management System

The equipment management system is fairly simple first we will need to procure

the equipment this will come from our initial startup of the company and we will set up

parameters of storage and how we will control and care for the equipment. There will

be daily informal inspection done by the guides and a formal weekly inspection done by

guides and supervisor. Then if anything needs to be repaired or replaced the proper


maintenance will be done and eventually stock will be retired and we will procure more

equipment. We will keep all our equipment in regulation and with industry standard.

Crisis Management System

Our crisis management system stats with defining the crisis this will come from

the business emergency response plan and coming up with a general idea of the most

likely crisis that could occur. Once the issue is identified there will be assigned roles and

responsibilities an example of who is going to be in charge of legal, who is heading up

the media approach and so on. Then come’s our resource identification which is

collecting numbers and contacts for outside agencies (medical care) supervisor and

managers and everything the company needs in the resource department. Our

communication plan comes next which is who needs to be notified in what order in case

of emergency. Now the ERP comes into the system and can be developed and activated

in necessary. Public information management will be done once the issue is done and is

a form of mitigation. The final step is to see how the business continuity is possible and

recovery options if the crisis is a serious/major incident. Then the company will review

and asses the whole plan and make and necessary changes to maintain and industry

leading performance.

Staffing and Human Resources System

Our staffing and human resource system starts with defining the required

positions and work requirements for them, then we will begin recruiting and vetting out

till we have a group of capable and fit the company image employees. We will send out


contractual agreements and hire the staff. When the staff arrives at our location there

will be the induction process where all the required paperwork will be filled out and we

can get underway with orientation and training. During the operational season the

performance and accountability of our guides and employees will be at or above

industry standard. The next step is professional development which we take a lot of

pride at summer heights kayaking being very involved in our guides on going training.

We will do company reviews in the start of every year new year working on a

succession and continuation strategy to see what the next steps the company will take.

Business Management System

Our business management starts off with our Mission and Identity which is the

exact same in our program development system since they are crucial for both. Next is

our business model and this is how we are going to shape and what we want it to look

like in the end product. Then by applying a strategic market placement in a specific

niche we can create a revenue generating business which is essential. The program

development is next since it is what the company is really offering it is one of the most

crucial part in our systems cause without it there is nothing. When the program starts

to generate an income the financial management will occur and this will cover all the

book keeping and accounting operations. The final stop in this system is reviewing if the

business is growing and maintaining its stability within the market. If there is and

discrepancies then we go back to our mission and identity and match what we originally

started with or make it clear we are re-inventing and publicly change our mission and

image.


Insurance Forms

GENERAL APPLICATION FORM

PLEASE READ THIS CAREFULLY

BEFORE PROCEEDING WITH THE APPLICATION

1. I understand that completing and submitting this application does not result in

insurance coverage, and that coverage is not bound until I have received written

confirmation from the insurance brokers.

2. The information I have provided in this application will form part of the

insurance policy conditions.

3. I am aware that the information provided in this application must be correct,

accurate and current. Incorrect information affecting the risk may result in a

denial of insurance coverage at a later date.

4. I understand that there is a continuing obligation to immediately report to the

insurer any changes that are material to the risk during the policy period.

Section 1: General Business Information

1. Name of business: Summer Heights Kayaking _____________________________________________

2. Operating as (if different than 1): ________________________________________________________

______________________________________________________________________________________

3. Other operating names: _________________________________________________________________

______________________________________________________________________________________


4. Business form: □ Sole Proprietorship Partnership □ Corporation □ Other _________________

5. Mailing address: 481 Cottage line, Perry Sound, Ontario, Canada ____________________________

6. Physical address/location: 481 Cottage line, Perry Sound, Ontario, Canada _____________________

______________________________________________________________________________________

7. Phone: ____1(800) 555-5555___ Fax: __1(808)555-5544____ E-mail [email protected]

8. Website address: SHK.com ______________________________________________________________

9. Contact person: _____Luke Laurin_________________ Phone: 1(800) 555-5555 _________________

Fax: ___1(808) 555-5544_____ E-mail: [email protected] _______________________________________

10. Number of years this business has been in operation by the current owner: 1 ___________________

11. Number of years this business was in operation by previous owners: 0 ________________________

12. Activities to be insured under this policy. Check all that are applicable and complete the

activity specific supplement questionnaire(s) for each of the activities checked

Canoeing

Wildlife Viewing Backpacking

Sea Kayaking Mountain biking Ski Touring or Backcountry

Skiing

Whitewater Kayaking Bicycle touring Top-rope rock climbing or

rappelling

Rafting Snowmobiling Rock climbing (being


different from top-rope rock

climbing)

Caving Day hiking Mountaineering (being the

same as Alpine Climbing)

Section 2: General Operations Information

13. Description of all operations

The business is a destination sea kayaking vacation resort, we offer multiple activity’s such

as sea kayaking, mountain biking and also hiking. We offer a resort stay with five star

dinning and accommodation. ____________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

14. Do you have clients from the United States? □ No □ Yes


a. Percentage of your total clients that are from the US __25____%

15. Do you operate in the United States? □ No □ Yes

a. Which States? ___________________________________________________________________

________________________________________________________________________________

b. Percentage of your total operations that occur in the US ______%

16. Do you operate in a province(s) outside of BC? □ No □ Yes

a. Name of province(s) Ontario __________________________________________________

________________________________________________________________________________

17. Do you operate in countries outside of Canada? □ No □ Yes

a. Name of countries: ______________________________________________________________

________________________________________________________________________________

b. Percentage of your total operations in those countries ______%

18. Do you sell alcoholic beverages: □ No □ Yes

a. If yes, what are the annual sales? $__2000.00___

b. If yes, do you have a liquor license? □ No □ Yes

19. Do you provide alcoholic beverages as a tour inclusion: □ No □ Yes

a. Percentage of tours where alcohol is provided as a tour inclusion. ___0_%


20. If you answered Yes to 18 or 19, what is your policy regarding the consumption of alcoholic

beverages by clients?

______________________________________________________________________________________

We provide alcohol for our clients with meals and they are able to purchase at their will at

our bar by our fully licensed server. _______________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

21. Do you have clients that are minors? □ No □ Yes

a. Percentage of clients that are minors __45__%

22. Do you rent or provide any equipment to clients? □ No □ Yes If yes, please complete the

equipment rental supplement questionnaire.

Section 3: Staffing

23. Are staff hired as employees? □ as contractors □ or both □

24. If staff are hired as both contractors and employees, please explain who is hired as an

employee and who is hired as a contractor

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________


______________________________________________________________________________________

25. Number of employees and payroll

Number of seasonal

employees

Annual payroll of

seasonal employees

Number of full-time

employees

Annual payroll of

full-time employees

$ 7 $ 14/hr. $ 2 $25 hr.

Number of part-time

permanent employees

Annual payroll of

part-time employees

$0 $0 $

26. Number of contractors and cost

Number of contractors hired per year $

Cost of contractors per year $

27. Do you require people that are hired as contractors to sign a written contract?

□ Yes □ No Please explain all our contracting is done for landscape and year work and we

sign a business to business contract. __________________________________________________________

______________________________________________________________________________________

28. Do you require a proof of insurance from contractors? □ Yes □ No If yes, what type of

coverage and limit of insurance do you require?

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________


29. Do you hire staff under the age of majority?

a. If yes, please explain how many minors are hired ___________________________________

b. If yes, in what capacity are they are hired? __________________________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

c. What is the minimum age of employees? 19 _________________________________________

30. Explain how you verify your staff’s qualifications, certifications and experience.

We require proof of certifications such as photo copies. We also require three references

where we can verify their skills with other employers. Also part of our induction process is

seeing their physical skill and technical ability first hand. ____________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

Section 4: Sub-contracting

31. Do you use sub-contractors to deliver part of your service offerings? □ No □ Yes. If yes,

please provide the following information:

a. The annual value of services delivered by sub-contractors $ ___________________________


b. Describe what services are provided by sub-contractors ______________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

c. Provide the names of the sub-contractors

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

d. Do you require sub-contractors to provide a proof of insurance? □ No □ Yes

If yes, what type and amount of coverage do you require?

________________________________________________________________________________

________________________________________________________________________________

32. Do you provide services to other businesses as a sub-contractor? □ No □ Yes. If yes,

please provide the following information:

a. The annual value of services you provide as a sub-contractor $ _________________________

b. Describe what services you provide as a sub-contractor _______________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________


c. Provide the names of the businesses you provide services to as a sub-contractor

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

d. Are you required to provide a proof of insurance to the businesses for which you

offer services as a sub-contractor? □ No □ Yes If yes, what type and amount of

coverage are you required to provide?

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

Section 5: Transportation

33. Do you provide transportation for your clients? □ No □ Yes If yes, please complete the

transportation supplement questionnaire.

Section 6: General Financial Information

34. Total number of clients for all activities for the year ___400___

35. Total revenues for all activities for the year $____294,000.00_____


36. Do you sell retail products to clients? □ No □ Yes If yes, please explain

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

37. Breakdown of revenues as indicated in #35

Source other than the

activities

Revenue Revenue from the activities Revenue

Accommodation (not part of a

package)

105,400.00 Activity #1

45,500.00

Food and beverage 29,000.00 Activity #2

15,000.00

Retail sales 0 Activity #3

19,000.00

Equipment Rental

0 Activity #4 19,500.00

Other

Activity #5 3900.00


Section 7: Insurance History Information

38. Current and previous insurance coverage

Name of current insurer(s) Commercial General

Liability

Coverage Amount

Deductible Premium

N/A N/A N/A N/A

Name of previous insurer(s) Commercial General

Liability

Coverage Amount

Deductible Premium

N/A N/A N/A N/A

39. Have you ever been declined insurance coverage? □ No □ Yes If yes, please explain

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

40. Has your insurance coverage ever been cancelled by an insurer? □ No □ Yes

If yes, please explain ___________________________________________________________________


______________________________________________________________________________________

______________________________________________________________________________________

Section 8: Claims and Incident History Information

41. Describe all incidents in the last 10 years (These include near misses)

Date of Incident Description of Incident Outcome

None N/A

N/A

42. Describe all insurance claims in the last 10 years

Date of Incident Description of Incident Amount of claim Amount of final

settlement


N/A N/A N/A

N/A

43. Are there pending incidents that could produce an insurance claim? □ No □ Yes.

If yes, please describe

Date of Incident Description of Incident Current Situation

Section 9: Desired Coverage Information

32. Effective date of coverage ___2012___/___06___/___01___

year month day


44. Commercial General Liability Insurance

a. Amount of insurance desired

□ $1 million □ $2 million □ $ 3 million □ $4 million □ $5 million □ Other

$____________

b. Amount of deductible desired

□ $500 □ $1,000 □ $2,500 $5,000 □ $10,000 □ Other $____________

45. Additional coverage desired

Coverage ____________N/A___________________________ Amount $_______N/A_

Coverage _______________________________________ Amount $____________________

Coverage _______________________________________ Amount $____________________

46. If you require certificates of insurance, please indicate the name and address of the entity

requesting the certificate as well as the reason for the certificate.

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________


Section 10: Waiver Program

47. Do you require all your clients to sign a liability waiver? □ No □ Yes If no, please explain _____

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

48. If you answered yes to question 47, please answer the following questions

a. Do you use the COTA approved waiver(s) for all your clients? □ No □ Yes

If no, please explain ______________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

b. Do you follow the COTA waiver guidelines for all your clients? □ No □ Yes

If no, please explain ______________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

Section 11: Risk Management Program


49. Do you follow the COTA Insurance and Risk Management Program guidelines? □ No □

Yes Please explain All our programs and waiver processes are standard with the COTA

insurance and risk management program __________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

______________________________________________________________________________________

50. If you answered yes to question 49, please answer the following questions regarding your

risk management program

a. Have you developed and implemented the following documents, plans and

procedures according to the COTA Insurance and Risk Management Program?

Risk Management Plan □ No □ Yes Please explain : Yes, there is a risk

management plan specific to SHK and it’s operations. __________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Emergency Response Plan □ No □ Yes Please explain : The company has not had a

go ahead yet so no official ERP has been done at this time. ______________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Trip or Activity Plan □ No □ Yes Please explain : Yes, a general layout of the

programs available and that will run has been done. ___________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________


Guide Protocols □ No □ Yes Please explain: No guides have been hired

at this time so no permanent protocols have been laid out at this time. ____________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Scripted Safety talk □ No □ Yes Please explain: No SHK has yet to set up a

scripted safety talk but intends to once business is operational. __________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Loss Control Program □ No □ Yes Please explain: this would be included in

our ERP and has yet to done.

_________________________________________________________________________________________

_________________________________________________________________________________________

Post Incident Response Plan □ No □ Yes Please explain: This is part of our crisis

management system and has been looked over and documented. ________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Incident Reporting □ No □ Yes Please explain: Incident reports are through

various systems and a template is yet to be created but is in our initial business plan. _______________

_________________________________________________________________________________________

_________________________________________________________________________________________


Client Medical Questionnaire □ No □ Yes Please explain: to respect the privacy of our

clients we do not ask for a record but if it is needed for personal safety we suggest the guest

inform management upon arrival.

_________________________________________________________________________________________

_________________________________________________________________________________________

Record Keeping □ No □ Yes Please explain: All our record keeping is

done through our book keeper who is also the owner/ site manager. ______________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Section 10: Additional Information

51. Please provide any additional information that is necessary in the assessment of your

business.

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

_________________________________________________________________________________________

Luke Laurin __________________________________ ______________Luke Laurin_____________________ _________________________________

Name of Applicant Signature of Applicant

_________________Mr. Luke Laurin____ ________ 2012___/__03_/__20__


Title Date year/month/day

Environmental Risk Management Statement

“ Summer heights kayaking full supports a green culture and works with local

community organizations and complies with industry standards to remain a carbon

natural company and minimize our carbon foot print by promoting leave no trace

camping and green facility’s.”


Sources

Research Resolutions & Consulting Ltd, (2007.) Travel Activities and Motivations Survey of

U.S. Residents: Sea Kayakers: Profile Information from the 2006 Travel Activity and

Motivation Survey (TAMS). Retrieved from:

http://www.linkbc.ca/torc/downs1/SeaKayakerProfiles.pdf

Ontario Ministry of Tourism, (2007.) Travel Activities and Motivations of Canadian Residents:

An Overview. Retrieved From: www.reaserch.touism.gov.on.ca

Tourism British Colombia, (2007.) BRITISH COLUMBIA’S SEA KAYAKING SECTOR

(2005)Retrieved From www.tourismbc.com/research

Transport Canada, (2010.) Small Vessels regulations (2010) Retrieved From www.tc.gv.on

Sea Kayak Adventures,(2011.) Sustainability Retrieved from:

http://www.seakayakadventures.com/sustainability.html

Transport Canada, (2009.) Sea Kayaking Safety Guide. Retrieved From:

http://www.tc.gc.ca/publications/en/tp14726/pdf/hr/tp14726e.pdf

Parks Canada, (2009.) Feasibility Study for the Proposed Southern Strait of Georgia National

Marine Conservation Area Reserve: Sea Kayaking Proposed Southern Strait of Georgia

NMCA Reserve Activity Analysis. Retrieved from: http://www.pc.gc.ca.

http://www.linkbc.ca/torc/downs1/SeaKayakerProfiles.pdf

http://www.reaserch.touism.gov.on.ca/

http://www.tourismbc.com/research

http://www.tc.gv.on/

http://www.tc.gc.ca/publications/en/tp14726/pdf/hr/tp14726e.pdf

http://www.pc.gc.ca/


White squall, (2011.) White squall the paddling center of Ontario. Retrieved from:

http://www.whitesquall.com/

Black Feather, (2011.) South East Alaska Sea Kayaking. Retrieved from:

http://www.nols.edu/courses/locations/alaska/southeast_alaska_sea_kayaking.shtml

NOLS, (2011.) National Outdoor Leadership School Sea Kayaking Courses. Retrieved from:

http://www.nols.edu/courses/find/byskill/seakayaking.shtml

Naturally Superior Adventures,(2011.) World-Class Destination, World-Class Outfitter Retrieved

from: http://www.naturallysuperior.com/

SKGABC, (2011.) Sea Kayak Guide Alliance of British Colombia. Retrieved from:

http://www.skgabc.com/

Paddle Canada, (2011) Canadian Recreational Canoe Association. Retrieved from: Paddle

Canada Sea Kayak Program http://www.crca.ca/programs/sea-kayaking.html

Recreational boating and fishing foundation, (2010) Special report on fishing and boating

Retrieved from:

http://www.outdoorindustry.org/images/researchfiles/ResearchFishing2010.pdf?112

Association of Canadian sea kayak guides, (2010) ACSKG Retrieved from:

http://www.acskg.ca/

http://www.whitesquall.com/

http://www.nols.edu/courses/locations/alaska/southeast_alaska_sea_kayaking.shtml

http://www.nols.edu/courses/find/byskill/seakayaking.shtml

http://www.naturallysuperior.com/

http://www.skgabc.com/

http://www.crca.ca/programs/sea-kayaking.html

http://www.outdoorindustry.org/images/researchfiles/ResearchFishing2010.pdf?112

http://www.acskg.ca/

Documents

Summer Heights Kayaking Business Plan 1 - PBworkslukelaurin.pbworks.com/w/file/fetch/52266144/Summer Heights... · Summer Heights Kayaking Business Plan 1 ... Summer Heights Kayaking