Outdoor Recreation Liability Insurance

Supporting businesses in the outdoor recreation industry for over 40 years
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Protect your recreation business with custom insurance solutions built for your peace of mind.

Most outdoor activities come with some necessary risk — sometimes that’s even part of their appeal. But with that inevitable risk comes the need to have comprehensive insurance coverage for when things go wrong.

What Is Outdoor Recreation Liability Insurance?

Those who have been in the outdoor recreation industry long enough know that it’s only a matter of time before an accident or incident occurs. That’s why it’s so important to have proper insurance coverage to provide true peace of mind when something goes wrong.

An investment in outdoor recreation liability insurance can prevent you from losing thousands of dollars of your own money to lawsuits and settlements. It can also be the difference of staying in business. By offering customized coverage solutions under one policy, XINSURANCE can provide an extensive plan to fill the gaps and exclusions that you’ll find in other insurance policies.

We believe that better insurance is the best step towards true peace of mind.

Types of Outdoor Recreation Companies We Can Help

  • Outfitters & Guides
  • Guided Tours & Operations
  • Rafting & Whitewater Rafting
  • Mountain Climbing & Mountaineering
  • Water Sports
  • Snow Sports
  • Hiking
  • Biking
  • Camping
  • Tubing
  • Hunting & Fishing
  • ATV/UTV Tours or Rentals
  • Hot Air Balloons
  • Scuba Diving & Snorkeling
  • Canoeing
  • Winter Operations
  • Parasailing
  • Bungee Jumping
  • Rock Climbing & Ice Climbing
  • Special Events
  • And More!
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Insurance Coverage Options for the Outdoor Industry

Commercial General Liability

This coverage protects against financial losses and legal claims arising from injuries or damage to third party property due to your recreation operations.

Professional Liability

Protection against lawsuits and claims for mistakes or incidents made in providing a professional service.

Equipment Rental Coverage

XINSURANCE offers protection from financial losses due to damage or theft of rented equipment used in outdoor recreation businesses.

TRU Umbrella

Our TRU Umbrella Insurance solutions can cover the gaps and exclusions in your primary insurance
policy. Learn more.

Commercial Auto

This coverage protects against financial losses and legal claims arising from injuries or damage to third party property due to your recreation operations.

Special Events

Special event insurance is coverage for an event holder, venue, or sponsor who faces liability or a lawsuit for property damage or bodily injury to third parties and more.

Alleged Sexual Abuse and Molestation Liability

This coverage protects your business from the legal and reputational risks related to accusations of sexual abuse or molestation.

Alleged Assault and Battery Liability

This coverage protects your business from legal and financial consequences arising from alleged assault and battery incidents in the outdoor recreation industry.

Active Shooter Liability

Offers third-party liability protection if an injured party files a successful lawsuit against the organization, the plan can cover the settlement or judgment award up to the limits of the policy.

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Associations & Sponsorships


XINSURANCE is a proud member of America Outdoors.


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.

Mountain Adventures Thumbnail

It’s not a question of if an accident will happen, but a question of when…”

Mountain Adventures

Frequently Asked Questions

Do you cover activities not listed?

XINSURANCE may be able to provide customized solutions 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 insurance solutions 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 our team will receive a thorough and timely answer.

Do you have an occurrence policy form available?

Yes, we can provide an occurrence policy form.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

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

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!

Know the Facts

75% of businesses in the United States are underinsured by 40% or more

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.

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.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help. THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. The whole process of finding a plan that worked for us was almost too easy.

– Leslie S.

Very easy process to get my bike insured, any concern I had, these guys was quick to respond by email, I would definitely use this company again, Thanks guys.

– Derek S.

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