Request your quote for customized insurance.




Dude ranches, also known as guest ranches, are a unique form of entertainment and recreation that allow guests to experience a Western lifestyle full of activities such as horseback riding, rafting, hiking, and more. They’re great for families, couples, special events, corporate events, and even the lone ranger who travels solo. With so much going on at any given time at a dude ranch, it is important for dude ranch owners/operators to have a customized dude ranch insurance policy that fits their needs.

XINSURANCE provides tailored insurance solutions for dude ranches and guest ranches that minimizes exposure and maximizes true peace of mind. You can have an all-in-one policy that provides customized coverages built into one policy. If you have an existing insurance policy already, we can also fill the gaps and cover the exclusions that are leaving you exposed. Whatever you need, we can help to find the best insurance solution for you!

dude ranch insurance
dude ranch insurance


What Can Dude Ranch Insurance Cover?

XINSURANCE provides customized liability insurance solutions for businesses and individuals. Dude ranch insurance can cover a lot of different activities offered by your dude ranch or guest ranch including:

  • Equestrian (horse ranches, horseback riding, etc.)
  • Glamping and camping
  • ATVs and UTVs
  • Hiking, mountain biking, and rock climbing
  • Gun ranges
  • Whitewater rafting, kayaking, canoeing, etc.
  • Zip-lining
  • Water sports
  • Guided tours
  • And more!

What Coverages Can Dude Ranch Insurance Include?

We have an all-in-one approach for dude ranch insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
  • Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
  • Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
  • Animal liability: Provides coverage for third-party bodily injury and property damage caused by an animal that you own.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Firearms liability: Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
  • Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Liquor liability: Coverage for businesses that provide the sale, service, or furnish of alcohol.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Professional liability: Coverage for claims regarding negligent acts and more.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
  • Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
  • Tru Umbrella: Additional coverage to fill the gaps and exclusions in your existing policy.
  • Weapons coverage: Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.
  • And more: We provide customized coverage so let us know everything you want to have covered and we can find a policy that suits your needs!


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage, but we can also provide Tru Umbrella coverage.

Why Should You Choose XINSURANCE for Guest Ranch Insurance?

Standard insurance provides coverage in many essential areas, but specialty liability is an area where it falls short. Most policies impose very low limits or exclusions. Or they may not even cover liability insurance at all. For true peace of mind, you need a customized policy for guest ranch insurance.

We analyze your operations and experience level to get you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied or canceled insurance before or those who have a claims history.

From third-party physical injury to third-party property damage and so much more, you can be reassured that the coverage you receive will be sufficient for you and your business.

How To Get A Free Quote

Get your free guest ranch insurance quote today. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it is also free and no obligation. Get started today by filling out the form at the top of the page!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

Sign Up To Receive Emails

Sign up for our newsletter and stay up to date with the latest news about policy coverage in your industry. Plus get tips on how to protect yourself before bad things happen!

By submitting this form, you are consenting to receive marketing emails from: XINSURANCE. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact
Request a quote!
Contact us