Request your quote for outdoor recreation liability insurance.





utdoor recreation, such as hiking, canoeing, cycling, or skiing, entails risks, even if participants do not recklessly place themselves in harm’s way. In some circumstances, such as being in remote locations or extreme weather conditions, even a minor accident may create a dangerous situation — one that may require survival skills or one that may result in a lawsuit. The legal system can be as chaotic as a whitewater river. However, if you have XINSURANCE, adventurous outdoor recreation can still be enjoyable and worry-free.

With XINSURANCE, you will have the customized coverage you need through our all-in-one approach with direct access to underwriting, risk management, and claims management. By reviewing your operations and experience level, we provide insurance solutions made to fit your needs. With XINSURANCE, no outdoor activity is too bumpy, too steep, or too dangerous — no matter the risk or history, we are here to help you.

outdoor recreation insurance

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. 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 personal protection.

More Information About Outdoor Recreation Insurance

What Is Outdoor Recreation Liability Insurance?

Outdoor recreation liability insurance can protect you in the event of injuries or property damage related to your hired activities or activity equipment. Liability insurance can compensate others as third-party coverage for covered claims. Liability insurance may pay victims for medical bills for injuries sustained during outdoor sports or provide them with the cost to replace or repair their damaged property.

Your policy may prevent you from spending thousands of dollars from your pocket if the victim sues your business for damages. By offering customized coverages under one policy, XINSURANCE can provide the same policies other partners may offer with more coverage to fill gaps or apply to exclusions for as much coverage and peace of mind as possible.

Based on your policy, our umbrella coverage may cover:

  • Third-party property damages
  • Third-party injuries or accidents
  • Lawsuit costs or expenses
  • Equipment rental coverage
  • Professional liability
  • Alleged sexual abuse and molestation
  • Alleged assault and battery

How Does Outdoor Recreation Liability Insurance Work?

If a guest sustains a bodily injury participating in your outdoor recreation courses, your outdoor recreation liability insurance may cover the medical expenses. This coverage prevents your own money from paying for covered claims. Similarly, your policy may provide the cost necessary to repair or replace someone else’s property if it sustains damage due to your operations.

If an injured party takes things further and files a lawsuit, your outdoor recreation liability insurance may cover expenses up to the term limit. These costs may include your legal fees and an amount a judge or jury awards to the third party.

Outdoor Activities Covered:

Frequently Asked Questions About Outdoor Recreation Liability Insurance

Learn more about outdoor recreation liability insurance by reading these common questions and answers:

Do you cover activities not listed?

XINSURANCE may be able to provide customized options for coverages, premiums and limits meeting regulatory requirements on an outdoor recreation activity not listed. Our team offers flexible underwriting and may be able to offer coverage for exclusions existing in your current policy with an all-in-one solution.

Do you offer insurance in all 50 states?

We may be able to provide outdoor recreation liability insurance for you in any state. Some locations involve certain requirements and specific regulations.

How does liability insurance protect me?

Outdoor recreation liability insurance can protect you in the event of an accident, incident, or lawsuit. For example, it may cover medical expenses of third-party injuries and the costs of replacing or repairing third-party property damage if an accident relating to your services occurs. If the injured party decides to file a lawsuit, a policy may cover legal costs and expenses a judge or jury decides you owe, up to the limits of your terms.

How long does it take to get a quote for outdoor recreation insurance?

If you complete your application to meet all requirements, you should receive a response soon! Applications sent to underwriters will receive a thorough and timely answer.


XINSURANCE, Powered by Evolution Insurance Brokers, is a proud member of America Outdoors.

America Outdoors xinsurance member


XINSURANCE is a paid sponsor of the Monarca Expedition. Inspired by the Monarch Butterfly, Benjamin Jordan has just completed the perceived impossible; the first-ever paraglider journey, from Mexico to Canada, across the United States of America. XINSURANCE was there to help him along the way! The viewpoints and opinions of this program are not necessarily shared or endorsed by XINSURANCE.

XINSURANCE is also a sponsor of Hooked On Utah. Hooked On Utah is all about everything outdoors, from fishing, hunting, camping, UTV riding, and flying airplanes. They’re the West’s longest running fishing, hunting, and outdoor adventure show! Check out their YouTube channel here.

Recreational Vehicle Insurance

Do you own a recreational vehicle? We can provide insurance solutions for high-risk recreational vehicles such as ATVs, snowmobiles, jet skis, aircraft, boats, and more!




insurance for the outdoor recreation industry

Nearly 50% of all Americans participate in at least one outdoor activity every year, totaling 11.6 billion outings. (source)

insurance for the outdoor recreation industry

Every year, nearly 213,000 people are treated in emergency departments for outdoor recreational injuries, according to the CDC. More than half of the injuries were among young people ages 10-24.

Insurance for the Outdoor Recreation Industry

According to the CDC, researchers found that snowboarding (25.5%), sledding (10.8%), and hiking (6.3%) were associated with the highest percentage of injuries requiring emergency department visits.

Sign Up To Receive Emails

Sign up for our newsletter and stay up to date with the latest news about policy coverage in your industry. Plus get tips on how to protect yourself before bad things happen!

Sign Up To Receive Emails

Sign up for our newsletter and stay up to date with the latest news about policy coverage in your industry. Plus get tips on how to protect yourself before bad things happen!





Request a quote!
Contact us