OUTDOOR RECREATION LIABILITY
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Outdoor Recreation
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Outdoor 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 in 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 Activities Covered:
- Hiking & Camping
- Hunting & Fishing
- Snow Sports (Skiing and Snowboarding, Snowmobiling, Heli-Skiing, etc.)
- Avalanche Control
- Water Sports (Canoeing, Rafting, Boating, Jet Skiing, Wakeboarding, etc.)
- ATV/UTV Tours or Rentals
- Scuba Diving & Snorkeling
- Parasailing
- Biking
- Hot Air Balloons
- Skydiving
- Rock Climbing & Ice Climbing
- Special Events
- Other Rentals, Guided Tours, Operations
- And More!
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.
Associations
XINSURANCE, Powered by Evolution Insurance Brokers, is a proud member of America Outdoors.
QUESTIONS TO CONSIDER
QUESTIONS TO CONSIDER
Q. What kind of coverage can be included in my policy?
A. With XINSURANCE, we can provide a customized, all-in-one policy to cover your needs. Coverage can include business auto, assault & battery liability, business vehicle, commercial liability, equipment rental liability, errors & omissions, excess medical, professional liability, property coverage, alleged sexual abuse & molestation liability, communicable disease coverage, watercraft liability, wrongful acts, and more.
Q. What can one do to prevent injury?
A. Outdoor adventurers can help prevent injuries by (1) knowing their skill levels and experience and not exceeding their limits, (2) checking and maintaining their equipment and replacing if needed, (3) carrying a first-aid kid, and (4) alerting others about where they are going.
KNOW THE FACTS
Nearly 50% of all Americans participate in at least one outdoor activity every year, totaling 11.6 billion outings. (source)
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.
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