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Is Your Winter Sports & Recreation Business Protected?

Winter recreation activities and winter sports are hugely popular in the US. There are over 51 million skier visits in the US every year. This is in addition to other popular winter activities, such as snowboarding and sledding.

If you are a winter recreation business owner, you will already know how much people enjoy these activities. With so many individuals participating in winter sports, it stands to reason that at some point, an accident will occur under your watch. Even the most safety-conscious business owners can find themselves at the wrong end of a lawsuit. The question is, are you protected should this happen to you?

The Rising Star of Winter Recreation

Snow bikes and snow scooters are one such winter recreation sport that has exploded in popularity in recent years, so much so that the snowmobiling industry is now worth $26 billion annually. Snow bikes are specially adapted bikes that are either motorized or manual. With the wheels removed and replaced with a ski-like blade, they are perfectly designed to glide over snow with ease.

These bikes have a growing army of dedicated fans and are proving popular across all snowy states. However, the bikes can prove fatal if caught up in unfavorable conditions. Colorado recorded its first snow bike fatality in 2016 and the numbers have been growing since.

Snow scooters and snowmobiles are the snow bike’s faster counterparts. Over 2 million American’s participate in the activity. Unfortunately, snowmobile accidents account for around 200 deaths and 14,000 injuries across the US annually.

The most common injuries sustained on snow scooters are:

  • Frostbite on the face and fingers
  • Arm, leg, and shoulder fractures
  • Spine and neck injuries

(Source: UNIS)

Inexperienced riders and intoxicated riders account for a large number of accidents. Even if this is the case, it doesn’t mean that the injured party won’t blame you for the incident. Typically, the business owner receives accusations of liability. Therefore, it’s not far-fetched for you to be staring at a liability lawsuit.

With so much potential for issue and injury, you may be wondering whether it’s worth offering this type of activity to your clients, no matter how popular it may be. We say it’s worth it, as long as you have the right protection in place.

XINSURANCE Insurance for Winter Sports

The common problem many winter sports business owners face is being unable to find an insurer that will give them sufficient coverage or even cover them at all. This isn’t the case with XINSURANCE. We pride ourselves on offering coverage solutions when other insurers won’t. We can even provide solutions to insurance for winter sports to those who have a claims history or have been previously refused coverage.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We provide customized coverage through our unique all-in-one offering. We’ll look at your experience levels and operations to determine the right coverage for your needs.

Our solutions to insurance for winter sports includes:

  • General liability
  • Equipment rental liability
  • Individual liability
  • Professional liability
  • Alleged sexual abuse and molestation liability
  • Alleged assault and battery liability
  • Communicable disease coverage and more

As well as providing coverage solutions for snow bikes (motorized and non-motorized), snow scooters, and snowmobiles, we also cover:

  • Snow tubing
  • Toboggans
  • All types of skiing – including Alpine, cross country, freestyle, and off-piste
  • Snowboarding
  • Ice skating
  • Sledding
  • Sleigh rides
  • Ice fishing

With coverage like this, you can have true peace of mind to continue your winter recreation business activities.

Get in Touch for a Quote

Getting in touch with XINSURANCE is easy. To discuss your insurance for winter sports needs, you can call, email, or click to contact us. Our highly experienced and knowledgeable team is waiting to answer your queries:

Phone 877-585-2853


Office locations: HERE

You can find comprehensive information on our website, including our vast product line. Find out where in the community we’ll be by viewing our events calendar. If you’re ready, simply click for a quote. We’re active on all social media platforms, so please find and follow us on your preferred one.

Run your winter sports and recreation business without the fear of facing a lawsuit alone. XINSURANCE is here to take the fear out of liability claims.

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.