Insurance For Winter Activities

Specialty insurance solutions tailored to your unique needs.
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Customized insurance solutions for winter enthusiasts: protect your passion with tailored coverage for businesses and individuals.

Whether you love skiing, snowmobiling, ice climbing, or any other winter activity, our customized insurance solutions are designed to protect both businesses and individuals. From liability coverage to equipment damage protection, we provide customized insurance solutions to ensure you can pursue your winter passions worry-free. Stay safe on the slopes or in your winter business operations and enjoy the season with peace of mind.

Why You Should Have Insurance for Winter Activities

Liability insurance is crucial for both businesses and individuals participating in winter activities. Here’s why you should have insurance:

  1. Financial Protection: Insurance helps safeguard against financial losses from accidents, incidents, claims, and lawsuits.
  2. Peace of Mind: Insurance provides reassurance and lets you enjoy winter activities without worrying about potential risks.
  3. Support in Times of Need: Having an insurance partner means you have someone standing by your side if something goes wrong, providing guidance and resources so you’re not left to deal with the aftermath alone.
  4. Compliance: Insurance helps businesses meet legal requirements, such as providing proof of coverage for participating in winter activities or maintaining necessary insurance types mandated by laws, preventing fines or legal issues.

Types of Winter Activities We Provide Solutions For

  • Heli-Skiing
  • Snowmobile Rentals
  • Snowmobile Tours
  • Ice Climbing
  • Ski Resorts
  • Snow Tubing
  • Ice Skating
  • Sledding
  • Skiing & Snowboarding
  • Christmas Tree Lots
  • Christmas Markets
  • Special Events
  • Winter Festivals
  • Sleigh Rides
  • Toboggans
  • Ice Fishing
  • And More
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Insurance Coverage Options for Winter Activities

Commercial General Liability

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

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.

TRU Umbrella

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

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

Inland Marine

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

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. 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.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

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.

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Premises Liability

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

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

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

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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

Learn More About Insurance for Winter Activities

Common Risks in the Winter

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, you or your business can enjoy the season with true peace of mind.

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

The type of insurance coverage needed for your business 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 ``Insurance for Winter Activities``?

You need “insurance for winter activities” 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 liability 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, 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.

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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