ROCK CLIMBING INSURANCE

Although adventurous outdoor activities provide a thrill, customers with sufficient experience who follow appropriate safety measures and regulations may still encounter problems or have accidents. Insurance for rock climbing guides and outfitters could protect you and your business from liability in situations with legal implications.

Rock climbing guide insurance allows you to:

• Prepare in case accidents happen: Even when practiced as a safe sport, common rock climbing injuries could occur to the ankles, feet, legs, spine, and head.
• Protect yourself from liability: Even if you weren’t at fault for a situation, activities associated with rock climbing could result in a claim, incident, or lawsuit.
• Have peace of mind: Including a waiver in your practice or business could protect you and your rock climbing business. XINSURANCE can find solutions for state and liability laws if situations arise during rock climbing activities.

We have an all-in-one approach for rock climbing insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

• Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
• Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
• Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
• Employment practices liability insurance (EPLI): Covers liabilities related to employment that aren’t on-the-job injuries. Some of the things it covers may include sexual harassment suits and wrongful termination suits.
• Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
• Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
• Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
• Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
• 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.
• Professional liability: Coverage for claims regarding negligent acts and more.
• Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
• Riot and civil commotion liability coverage: 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.
• Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
• Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
• True umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
• And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

Many common questions arise about insurance relating to rock climbers, including liability, risks, and limits. Learn about XINSURANCE based on these answers:

• When am I liable? Liability could pertain to any recreational activity involved with climbing or preparing to climb when an incident occurs.
• How do I reduce my risk? Working with XINSURANCE offers protection and lowers your risk when or if rock climbing incidents, claims, and lawsuits arise.
• Do you have minimums or maximums? Packages for rock climbing guides may offer custom limits and a maximum of $10 million in limits with higher limits available.

XINSURANCE is a DBA of Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, providing specialty liability insurance solutions. The company offers insurance solutions when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE provides businesses and individuals with access to customized liability insurance policies that cover gaps in your traditional coverage. They provide you with true peace of mind. With over 40 years of experience in the industry, they will be your trusted partner. XINSURANCE will fight for you when no one else will.

XINSURANCE offers potential protection whether you’re a new business or have been canceled or declined by another insurance company. Our staff can put together a customized policy or provide coverage solutions for the exclusions in your existing policy. Coverage may include property, general liability, professional liability, special liability, and more to fill the gaps as needed.

Benefits of XINSURANCE plans include:

• All-in-one approach: Coverages allow all exposures to be packaged and listed together in one policy for broader coverage.
• Custom coverage: Partnerships between underwriters and decision-makers enable you to make customizations based on shared goals and interests.
• Available across the United States: XINSURANCE offers protection 24 hours a day, 365 days a year, with accessibility in all 50 states.