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Insurance for Rock Climbing Guides

Insurance for Rock Climbing Guides

Sharing your love for rock climbing is a fantastic occupation. Becoming a guide allows you to help others discover this exciting, rewarding activity. Aside from the physical risk, you need to consider the legal implications of being a rock climbing guide. Before putting yourself at risk, ensure you have insurance for rock climbing guides.

Even though nearly all of your customers are happy and satisfied, occasionally there will be people that encounter a problem or have an accident. Since you’re their guide, the blame for these issues may fall on your shoulders, even if you’re not at fault. It’s critical to you and your business that you have insurance for rock climbing guides in place to protect from liability.

Rock climbing accidents are frequent and can be severe

Although rock climbing can be a safe sport for those who follow the appropriate safety measures and have sufficient experience for what they climb, accidents still happen. When they do, they can be severe or even fatal.

In Colorado, between 1998 to 2011, the Rocky Mountain Rescue Group rescued 428 rock climbers in Boulder County. The most common injuries were on the legs, ankles, feet, head, and spine, and 85% of accidents occurred in the most popular climbing spots.

These statistics are for a single state in the US. It’s hard to find accurate, up-to-date and accurate statistics because many accidents go unreported during rock-climbing excursions. Since so many people enjoy rock-climbing in many US states, you can expect statistics for rock-climbing accidents across the entire US to be much, much higher. In 2017, for example, there were 38 reported climbing-related deaths in the USA.

Are you liable for accidents?

Your liability for an accident sustained by a rock climber in your care is subjective. If such an accident did occur under your watch, it would be up to you to prove you weren’t liable. This isn’t always easy. And having to face a liability lawsuit can be extremely stressful, as well as time-consuming and costly. Even if you follow regulations and safety rules, and operate above standard practices, rock climbing and associated activities may result in an incident, claim, or lawsuit.

Requesting that participants sign a liability waiver before starting the activity is one way to protect yourself. But what many guides don’t realize is that different states have specific liability laws. This means that the waiver could end up worthless and you’ll find you don’t have the protection you need.

An umbrella policy from a national organization or event host may cover you, but you may not be in control of what coverage these policies provide. Often, these policies have limits or are completely inadequate for your needs.

Insurance for rock climbing guides

Thankfully, XINSURANCE has an answer to the issue. We have over 40 years of experience and commitment to providing liability coverage solutions to those that need it the most. We pride ourselves on our ability to offer coverage solutions where other insurers may have turned their backs. And we are proud to provide solutions to insurance for rock climbing guides to our clients.

Our approach is all-in-one. We review your operations and experience level to create a customized liability policy that fits the needs of your business. XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage with direct access to underwriting, risk management, and claims management. We’re also associated with the Worldwide Outfitter and Guides Association giving its members access to liability insurance.

Our insurance for rock climbing guides provides coverage solutions for:

  • Injury or accident sustained by a participant.
  • Damage to 3rd party property.

We take care of other instructors too

As well as insurance for rock climbing guides, we also offer coverage solutions to a wide range of instructors and guides for activities including:

  • ATVs and UTVs
  • Bicycle activities
  • Camping and hiking
  • Guest ranches and horse riding
  • Guided activities
  • Hunting & fishing
  • River sports such as kayaking and rafting
  • Zipline and rope courses
  • Water sports
  • Snowboarding, skiing, and other winter sports
  • Youth at risk

How to get in touch with XINSURANCE

As a busy professional, we know it’s not always easy to get to the phone. Therefore, we’ve made it easy to receive a quote by visiting our website. Alternatively, you can email us with queries at info@xinsurance.com. If you would like to speak directly to an experienced member of our friendly team, then we’re available at 877-585-2853. We look forward to your call and to learning more about your unique needs.

 How to get more information

Our website reveals our all-in-one approach, provides further details on insurance for rock climbing guides, and offers more information about our services, including our extensive product line.

We also like to get out in the surrounding areas and meet our customers personally. Therefore, you’ll find us at many events and trade shows. Check out our events calendar to find out if we’re going to be attending an event near you.

Also, you can keep up to date with news from XINSURANCE on major social media platforms, including Facebook, Twitter, YouTube, LinkedIn, and Instagram.

You wouldn’t go rock climbing without your ropes and safety gear, so why leave yourself wide open to liability claims? Get yourself the coverage you deserve and carry on doing what you love without fear of facing a lawsuit unprotected.

Get in touch with XINSURANCE today, even if you’ve been turned down by other insurers. We’re looking forward to providing you with peace of mind.


Rick LindseyReviewed by Rick Lindsey, President, Chairman, and CEO of XINSURANCE

Rick Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.