Snowmobile Insurance

Specialty insurance solutions tailored to your unique needs.
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Explore, ride, and insure: safeguard your snowmobile adventures with customized liability insurance for you or your business.

We understand the exhilaration of gliding through winter wonderlands, but we also value safety above all else. Our customized snowmobile liability insurance solutions are designed to protect you, your equipment, and your passengers, so you can enjoy the thrill of the ride or running a successful business.

The Importance of Snowmobile Liability Insurance

Snowmobiling, whether for personal enjoyment or as a business endeavor, is a thrilling winter pursuit. However, the excitement is accompanied by inherent risks. Snowmobile liability insurance is essential for businesses and individuals alike, providing a layer of financial protection and peace of mind.

For business owners operating in this space, the stakes are higher. Liability insurance can help protect your business from costly lawsuits and insurance claims that arise when an accident or incident occurs involving your snowmobiles. It upholds your reputation and financial stability, ensuring that your venture can endure unforeseen challenges. In either scenario, snowmobile liability insurance is the critical safeguard that allows you to embrace the thrill of winter adventures while minimizing the risks that come with them.

Who Should Have Snowmobile Insurance

  • Snowmobile Rental Companies
  • Snowmobile Guides & Tours
  • Snowmobile Instructors
  • Snowmobile Operators
  • Snowmobile Racing
  • Trail Clubs & Associations
  • And More
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Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Inland Marine

Can provide physical damage protection for your snowmobile while it is being stored, transported, or while rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you or an employee regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or an employee regarding sexual abuse and/or molestation.

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.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

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.

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How To Get A Quote

Request Your Quote

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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

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What Are The Risks of Snowmobiling?

Operating a snowmobile can be an exhilarating experience, but it also comes with certain risks. The 3 most common risks of operating a snowmobile are:

  1. Accidents and Collisions: One of the primary risks associated with snowmobiling is the potential for accidents and collisions, especially if riders do not exercise caution or adhere to safety guidelines. Snowmobilers may collide with other riders, objects, trees, or vehicles, leading to injuries and fatalities.
  2. Injury or Exposure to Harsh Weather Conditions: Snowmobiling often takes place in cold and snowy environments. Riders are at risk of exposure to extreme cold, frostbite, hypothermia, and other cold-related injuries if not adequately prepared with appropriate clothing and gear.
  3. Environmental Hazards: Snowmobiles are used in natural, often remote, and rugged terrains. Riders may encounter environmental hazards like avalanches, crevasses, thin ice on frozen bodies of water, or unstable snowpacks, all of which can pose significant risks to safety.

What Coverage Do I Need for My Snowmobile's Insurance Policy?

The type of insurance coverage needed for snowmobiling will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

Why Should I Have Snowmobile Insurance?

You need snowmobile insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having snowmobile insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, snowmobile liability insurance may be required.

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.

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. Fortunately, we are here to provide a solution.

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Keep Doing What You Love With the Protection You Need

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

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– 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