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Snowmobiles are undoubtedly a lot of fun to ride and there’s nothing quite like it. With the thrills that come with riding also come risk. Whether it’s a guided tour, a rental, or teaching, snowmobiles can travel fast and through unfamiliar territory or unpaved areas. When a claim or lawsuit occurs, you’ll need liability insurance for snowmobile operations to keep you and/or your business protected.

With XINSURANCE, you will have the customized coverage you need through our all-in-one approach. By reviewing your operations and experience level, we provide insurance solutions made to fit your needs. So no matter the risk or history, we are here to help you.

snowmobile insurance
snowmobile insurance


Who We Can Help

We can provide customized liability insurance solutions for businesses and individuals in all 50 states, including:

  • Snowmobile Rentals
  • Snowmobile Guides & Tours
  • Snowmobile Instructors
  • Snowmobile Operators
  • And More!

Exploring Snowmobile Insurance Options

When people rent a snowmobile, it’s unlikely that the coverage on their personal auto or homeowner’s insurance policy will extend to the rental. On the other hand, current sled owners should have a snowmobile policy that offers this protection. These policies typically provide some level of liability coverage, which includes injuries or property damage sustained by others resulting from an accident the rider causes while operating the sled.

However, the liability limits on these policies can vary widely. If the rider is involved in an accident, the available coverage may be insufficient to handle a larger claim. An injured party could sue the operator, and possibly the rental company as well, to recover any excess amount. The financial consequences could be devastating for both parties.

If you operate a snowmobile rental company, you can’t always count on the renter to have a personal insurance policy that provides adequate protection. Therefore, it’s imperative to offer coverage to renters if they need it. As you’ve probably discovered, this type of insurance is hard to obtain because of the substantial risk exposure.

XINSURANCE Can Meet Your Snowmobile Insurance Needs

At XINSURANCE, we understand the challenges that snowmobile rental companies face when finding insurance coverage. We specialize in providing liability insurance solutions for the most difficult risks. We’ll work with you to find a customized insurance plan that will protect your assets and give you peace of mind. We can provide liability protection of up to $10 million or as much as $20 million through our reinsurance partners. No matter how big your liability exposure is, we’ll assist you in obtaining the coverage amount your business needs.

If you’re renting a snowmobile and don’t have insurance, we can fill the void. We’ll offer a temporary plan that will provide the individual liability protection you need if you should happen to cause an accident that results in injuries or property damage. You’ll have one less thing to worry about as you enjoy your snow-covered adventure.

Scenarios Where Snowmobile Rental Insurance Comes to the Rescue

Some of the typical claim situations involving snowmobiles include:

  • An operator, while traveling at a high rate of speed, loses control and strikes another sled, resulting in significant injuries to the other operator.
  • A snowmobile rental company fails to maintain its sleds properly, which contributes to an accident with injuries and property damage.
  • If on a guided tour, the rental company’s insurance may provide extra coverage to the rider if the damages exceed the limits of the rider’s policy.

In these situations, a liability insurance policy will cover the property damage and medical bills incurred by injured parties, as well as monetary damages awarded via successful personal injury lawsuits. It will also pay for the expenses associated with mounting a legal defense, such as court costs and attorney fees.

Please note that XINSURANCE will not provide workers’ comp for employees of snowmobile rental facilities.

Why Choose XINSURANCE for Your Snowmobile Rental Insurance Needs?

At XINSURANCE, we take pride in helping people who cannot obtain liability insurance elsewhere, or who have had their policies canceled or non-renewed. We can also cover the gaps and exclusions that may exist in their current plans, providing more comprehensive, all-in-one protection that addresses every risk exposure with a single policy. You’ll have the true peace of mind that comes with knowing that you can protect your assets whenever an accident or incident occurs.

You’ll also appreciate our commitment to delivering exceptional customer service. Our flexible underwriting enables us to accommodate risks that other providers avoid, and we provide prompt claim service. Our claims team is available 24/7 to field your call and get the coverage process started.

How to Apply for Snowmobile Insurance

Our fast, streamlined application process typically results in a no-obligation quote within 24 hours. Begin by filling out and submitting an online app. Our in-house underwriting team will review the information and then contact you by phone to discuss the risk in more detail. After the call, we’ll provide a quote for your approval. When you agree to terms and pay the initial premium, your new policy will be issued.

Recreational Vehicle Insurance

Have more toys than just a snowmobile? We can provide insurance solutions for other recreational vehicles such as ATVs, jet skis, aircraft, boats, and more!




Insurance for Snowmobile Operations

Each year, snowmobile accidents product 14,000 injuries and 200 deaths.

Insurance for Snowmobile Operations

Snowmobiles can weigh in excess of 600 pounds and travel at speeds exceeding 90 mph.

Insurance for Snowmobile Operations

Excess speed, alcohol, driver inexperience, and poor judgment are the leading causes of accidents.

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