Snowmobile Insurance

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.

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.

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.

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.

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.