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Insurance for Sports Equipment Rentals

Insurance for Sports Equipment Rentals

Sports equipment can be expensive, especially equipment such as high-end mountain bikes, skis, and snowboards. Many people who love to participate in sports, especially while they’re on vacation, prefer to rent their equipment rather than buy it outright. This makes sports equipment rentals a lucrative market for those already in the sports industry or looking to start a business. It also makes insurance for sports equipment rentals vital.

Once you’ve purchased your equipment, all you have to do is rent it out and maintain it for an effective way to make money. Risk, however, is a disadvantage of owning a rental business.

While the rental shop itself isn’t particularly high-risk, it’s what happens while your customers are using the equipment that you have to watch out for. If a customer has an accident that results in injury, the rental company is at risk of being considered liable. Being found liable for injury or damage can be extremely costly and even put you out of business. Fortunately, you can protect yourself from liability claims with insurance for sports equipment rentals.

Owning a Rental Service Can be Risky

When you look at the likelihood of an accident occurring during a sports activity, you realize the risk you and your business face from liability claims.

Ways to Minimize Risk

It’s important to do as much as possible to minimize your exposure to risk. A responsible rental shop owner ensures that:

  • The shop is tidy and free from trip hazards
  • Equipment is properly maintained
  • Faulty or broken equipment is disposed of
  • Only equipment suited to the renter’s experience level is made available
  • The renter understands how the equipment works
  • Equipment is not rented to anyone unwell or intoxicated
  • They have insurance for sports equipment rentals

XINSURANCE: Insurance for Sports Equipment Rentals

Renting specialist equipment requires specialist coverage. There is never a “one size fits all” solution. Each person has needs that are unique to their circumstances, therefore, we operate an all-in-one approach that considers a person’s experience level and operations to offer excellent solutions to insurance for sports equipment rentals.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. For the last 40 years, we’ve been perfecting our liability insurance. This means we can offer you solutions to insurance for sports equipment rentals that provide coverage for the following rentals:

  • Canoes, kayaks, surfboards, and other water sports equipment
  • Skies and snowboards
  • Mountain and road bikes
  • Field sports equipment
  • Ice skates
  • Bowling shoes and balls
  • Gym equipment
  • Snow tubes
  • Water tubes
  • Toboggans
  • Sleds
  • And much more

As well as 3rd party bodily injury and 3rd party property damage, XINSURANCE can provide other liability coverages suitable for your requirements.


It’s easy to get in touch with XINSURANCE. Call 877-585-2853 or email Additionally, you can visit our website to click for a quote and view our extensive product line.

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Don’t forget to check out our events calendar to see if we’re close-by. If so, please come along for a chat. We’d love to meet you and learn more about your needs.

Protect your business and your career the right way by getting insurance for sports equipment rentals. The peace of mind is worth your time.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. 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. Rick J. 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 J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey 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. Rick J. 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 J. Lindsey 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.