Insurance for Winter Activities

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Insurance for Winter Activities


Insurance for Winter Activities

For individuals and businesses

‘Tis the season for Christmas trees, sleigh rides, festivals, special events, Christmas markets, and more. Bringing customers full of holiday cheer to your tree lot, event, or wherever you do business, poses a threat that business owners/operators often overlook. The large crowds, the icy ground, there’s a lot of risk involved that often bring claims or lawsuits against you and/or your business. Fortunately, XINSURANCE provides solutions to customized liability insurance for winter activities of all kinds so you can continue delivering that holiday cheer.

insurance for winter activities and winter recreation insurance

Winter Activities Covered by XINSURANCE

Whether you’re a business or an individual, we can provide liability insurance solutions for a variety of winter activities, including:


We provide customized insurance solutions to snowmobile rentals, snowmobile guides and tours, snowmobile instructors, and more! As an individual or a business, you can get snowmobile insurance today and operate with true peace of mind.

Ski resorts

Ski resorts can offer so many fun activities in the wintertime. You have skiing, snowboarding, sledding, snow tubing, ice skating, and maybe even snowmobile rentals. With so many different activities going on at once, you’re bound to come across some accidents. XINSURANCE can provide solutions for ski resort insurance that gives you customized coverage and true peace of mind.

Skiing and Snowboarding

One of the most popular winter activities in the world, there’s nothing quite like skiing and snowboarding. We can provide coverage for just about everything that goes on while skiing and snowboarding. If you’ve been looking for ski insurance or snowboard insurance, we’re here to help you.

On the more extreme side, we can also provide customized insurance solutions for heli-skiing. Going off-trail or dropping out of a helicopter sure has its unique risks and that makes this type of insurance hard to find. However, XINSURANCE is here to provide a solution so ask us about helicopter skiing insurance and we’ll be happy to discuss!

Snow tubing

Snow tubing is a great activity for the whole family. A lot of ski resorts may offer this fun side activity and XINSURANCE is here to find coverage for it. Get a quote for snow tubing insurance today!

Ice climbing

When ice climbing, don’t forget your axes…and insurance! Similar to rock climbing, ice climbing has its risks and you have to make sure you’re prepped with the right tools and equipment. We can provide solutions for ice climbing insurance to help guides, tours, climbers, and more!

Christmas tree lots

We can help tree farms, pre-cut tree farms, tree stands, tree lots, parking lots, and more! If you need insurance for your Christmas tree lot, XINSURANCE can help!

Special events

Special events are our specialty! With so much going on, you need customized, comprehensive coverage. We can help all types of special events such as light festivals, ice sculpture events, parades, snow festivals, and more! Get special event insurance today!

Sleigh rides

Sleigh ride insurance is available for horse-drawn sleigh rides, carriage sleigh rides, wagons, or any other light vehicle on runners. You can get coverage for your horse, the sleigh, and third-party protection.

Christmas markets

Large crowds, entertainment, music, beer, Glühwein, food, shops, and more…what’s not to love? XINSURANCE can provide customized insurance solutions to holiday markets all across the US. If you need insurance for your Christmas market, we’re here to help.


Tobogganing is fun, fast, and can be very dangerous. If your business offers toboggan runs, make sure you have toboggan insurance!

Ice skating

A great activity for any age, ice skating rinks draw in large crowds every winter. It’s wise to carry liability insurance for your ice skating rink because of the combination of the hard ice and the difficulty of ice skating. Slips and falls happen all the time and sometimes the blame goes to improper maintenance. Protect yourself from lawsuits with ice skating rink insurance.


If your ski resort offers sledding or you have a place that allows sledding, make sure your property/business is covered with sledding insurance. We know people like to go fast down this hills and when those accidents happen, a lawsuit could be coming your way even faster.

Ice fishing

Cool, cold, and relaxing. Ice fishing is a unique activity that requires caution. If you go on an ice fishing trip or your business rents out ice fishing gear, make sure you’re covered with ice fishing insurance. XINSURANCE can provide customized solutions and true peace of mind.

And more…

The winter season is a magical time of year and there’s just so much it has to offer. If we missed something above, don’t worry, we can provide customized liability insurance solutions to individuals and businesses in all 50 states. Contact us about your specialty risk and we’ll work with you to give you a quote as fast as possible!

XINSURANCE As Your Insurance Partner This Winter

XINSURANCE is powered by Evolution Insurance Brokers, LC, an excess and surplus lines brokerage. We provide specialty customized insurance solutions for businesses and individuals. 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 protection.  If you’ve been denied, non-renewed, or canceled coverage, we can help. We take on risks others simply can or will not. We are all about the wintery fun as much as you are. So no matter the winter activity, no matter the risk or history, we are here to help you.

XINSURANCE is a proud member of the Michigan Festivals and Events Association.

Common Risks in the Winter

It’s obvious that a big factor in wintertime accidents is the weather. The snow, icy roads/sidewalks, and cold temperatures can cause a lot of problems for a lot of people in different ways. People slip and fall all the time on snowy/icy walkways as do cars and trucks on the road. Falling on ice/snow and road accidents are the most common winter injuries and you could be held liable if someone is injured on your property or by using your vehicle/equipment.

There are all sorts of risks that you’re exposed to so don’t let one accident be a financial ruin to you or your business. If you have liability insurance for winter activities, your business can operate with true peace of mind.

Make Sure You Are Covered

It doesn’t matter if your business is new, small, or a fortune 500 company. We provide liability insurance solutions even if you’ve been dropped, non-renewed, or canceled. We are here to help you if you’re struggling to get liability insurance for the winter season. No matter what the case may be, don’t be a victim of insufficient coverage. Let XINSURANCE be your partner and give you true peace of mind via liability insurance for winter activities so you can focus on running a successful business.

Contact Us

If you need help, have questions, or want us to review your current policy, contact Logan Fitzgerald at 801-304-5562 or 

If you’re ready, fill out the contact form above to get a quote today!




Insurance for Winter Activities

According to Statista, 4 million Christmas trees were sold in 2016.

Insurance for Winter Activities

The most common winter injuries include falling on ice/snow, road accidents, and food poisoning.

Insurance for Winter Activities

According to the CPSC, there were more than 1,700 Christmas-related injuries between 2011 and 2015.

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