Mountain and Ski Resort Insurance

Specialty business insurance solutions tailored to your unique needs.
Get Started

Your ski resort's trusted insurance partner: a seasoned ally in navigating the complex world of winter sports risk management, financial security, and guest safety for an unforgettable experience.

We stand as your dedicated ally in safeguarding your business, your guests, and your vision. We are partners in your journey to create unforgettable, thrilling, and safe experiences in the heart of the mountains. Together, we’ll conquer the slopes of uncertainty and elevate your resort’s success, crafting a legacy of adventure, trust, and unforgettable memories for all who visit.

The Importance of Mountain and Ski Resort Insurance

Insurance is indispensable for ski resort businesses due to the inherent risks associated with their operations. Ski resorts face a higher likelihood of accidents, injuries, and property damage than many other businesses. Without insurance, a single catastrophic incident could jeopardize the financial stability of a ski resort or mountain resort.

Insurance is not merely a prudent choice for ski resorts; it is an absolute necessity. It provides a crucial safety net, offering financial security and peace of mind in an industry where unforeseen accidents and incidents can have profound and costly consequences.

With XINSURANCE, you can confidently safeguard your mountain resort from liability risks with our customized coverage solutions, all-in-one policy approach, and the assurance of working with a trusted partner who will stand by your side when other’s wont.

Types of Resort Activities We Can Cover

  • Skiing & Snowboarding
  • Snowmobiling
  • Tubing
  • Special Events
  • Ice Skating
  • Snowshoeing
  • Dog Sledding
  • Chair Lifts & Gondola Rides
  • Alpine Slides
  • Mountain Coasters
  • Camping
  • Biking & Hiking
  • Apres-Ski
  • Tours & Guides
  • Equipment Rentals
  • And More!
View All

Ski Resort Insurance Coverage Options

Commercial General Liability

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

Premises Liability

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

Liquor Liability

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

TRU Umbrella

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

Equipment Coverage

Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.

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.

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 regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you 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 such as a dog that’s part of a dog sledding tour. 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

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.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

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.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

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

View All

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

Learn More About Mountain Resort Insurance

What Are Some Examples Of A Resort's Liability?

Some examples include, but are not limited to:

  • Failing to maintain the slopes
  • Failing to warn users of hidden dangers on a slope
  • Failing to warn users of the experience level that is appropriate for particular slopes
  • Providing instruction that does not include adequate safety information or supervision
  • Renting defective equipment
  • Operating equipment in unexpectedly dangerous ways

Can A Ski Resort Be Held Liable For Personal Injury After A Skiing Accident?

In most states, a skier or snowboarder who is injured by an “inherent risk of skiing” cannot hold the ski resort liable for his or her injury. However, some exceptions to “inherent risk” can hold a resort liable. These exceptions may include, but not limited to:

  • A malfunctioning chairlift
  • Whether the ski resort puts bumpers on the posts for the ski lifts
  • The manner in which a ski instructor or ski patroller was skiing
  • An improperly parked or stored snow machine
  • A slip and fall on the ski resort’s property

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

The type of insurance coverage needed for a mountain resort or ski resort 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 the coverage you want to have on your insurance policy and helps provide true peace of mind.

Why Should I Have Mountain Resort Insurance?

You need mountain resort insurance 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 specialty insurance for your mountain resort or ski resort 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.

View All

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


XINSURANCE is a proud member of the National Ski Areas Association.

The National Ski Areas Association is the trade association for ski area owners and operators. It represents over 300 alpine resorts that account for more than 90% of the skier/snowboarder visits nationwide. Additionally, it has several hundred supplier members that provide equipment, goods and services to the mountain resort industry. Their mission is to support members in their pursuit to operate thriving and sustainable businesses and deliver exceptional experiences.