Hot Air Balloon Insurance
Specialty liability insurance solutions tailored to your unique needs.
Get StartedFloat freely and insure wisely with customized hot air balloon insurance solutions from XINSURANCE.
From takeoff to touchdown, XINSURANCE is your trusted insurance partner, ensuring proper coverage for every journey.
What is Hot Air Balloon Insurance?
Hot air balloon insurance is a specialized form of protection designed to address the unique risks associated with operating and managing hot air ballooning businesses. Navigating the skies in a hot air balloon is an experience like no other, but it comes with inherent uncertainties that can turn a dreamy ascent into a significant liability. As a business owner or operator in this field, it’s crucial to equip yourself with a safety net that can safeguard against unpredictable scenarios.
XINSURANCE offers TRU Insurance for hot air balloon businesses and operators by providing customized coverage solutions tailored to your needs. We offer an all-in-one solution that puts all of your coverages into one policy. Many businesses opt for the cheapest insurance but they end up spending more money in the long run because when a claim occurs, they realize they aren’t properly covered and have to pay out of pocket. XINSURANCE will stand by you as your insurance partner offering insurance services like no one else can.
Who We Can Help
Hot air balloon insurance is vital for a wide array of businesses and individuals involved with the operation, management, or ownership of hot air balloons.
We can help:
- Hot Air Balloon Owners
- Hot Air Balloon Operators
- Balloon Tour Companies
- Hot Air Balloon Instructors
- Balloon Manufacturers
- Launch/Tether Sites
- And More!
Insurance Coverage for Hot Air Balloons
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties. Ground Operations Liability, which can cover accidents and injuries that occur during ground operations, such as the setup, inflation, and dismantling of the balloon, is also covered under General Liability.
Hull Insurance
While primarily property insurance, it’s essential for covering the balloon envelope, basket, burners, and other equipment against physical loss or damage.
Event Cancellation
For those involved in organizing balloon events or tours, this coverage can protect against financial losses if an event has to be canceled due to weather or other unforeseen circumstances.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
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.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Products Liability
Relevant for manufacturers, this coverage protects against claims related to product defects that could cause accidents or injuries. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
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. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Hot Air Balloon Liability Insurance
What is public liability insurance, and why is it essential for hot air balloon operators?
Public liability insurance protects operators against claims of bodily injury or property damage inflicted on third parties. It’s essential because it covers substantial costs from accidents where third parties are harmed or their property is damaged.
Public liability insurance is covered under general liability insurance.
Do I need separate passenger liability insurance if I have public liability coverage?
Passenger liability insurance is specific to injuries or accidents affecting passengers. It is also covered under general liability insurance.
Is product liability insurance relevant to me if I don’t manufacture balloons?
If you’re involved in selling balloons or balloon equipment, even without manufacturing them, you may still face liability for product faults. So, product liability could be relevant.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What are the risks of hot air balloons?
Statistically, hot air balloons are a safe method of travel, but accidents do happen. Excessive speed when landing, a collapse of the parachute-like balloon, coming into contact with power lines, and poor weather decisions by the pilot can lead to injury and death.
Injuries can happen simply by not bending your knees or stowing your camera for landing. If someone gets hurt or worse, a lawsuit may ensue, with the potential loss of revenue or your business. Hot air balloon owners and operators — and even commercial/tour operators, sports pilots, and instructors — would be wise to have specialty liability insurance for hot air balloons with XINSURANCE.
How much does hot air balloon liability insurance cost?
The cost varies depending on the coverage scope, limits, the balloon’s value, operation type, geographic factors, pilot experience, and more. It’s best to contact us and tell us more about your insurance needs so we can provide a more accurate and personalized quote.
Why You Need Insurance for Hot Air Balloons
Insurance for hot air balloons can help to protect the financial interests of owners and operators. It can also give protection against possible litigation if the unthinkable does happen to one of your balloons, passengers, or operators.
Get a quote today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Outdoor Recreation
We provide liability insurance solutions to the outdoor recreation industry. We help business owners, tour guides, outfitters, rental stores, and others with their insurance needs.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
