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.
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.
Provides coverage for injuries and property damage sustained by third parties.
Protects against claims for slips, trips, and falls on the property due to negligence.
Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.
Additional coverage to fill the gaps and exclusions in your existing policy. Learn more.
Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
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.
Liability protection in the event of an active shooting taking place on company property. Learn more.
Coverage for claims against you regarding assault and/or battery.
Coverage for claims against you regarding sexual abuse and/or molestation.
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.
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
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.
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.
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Coverage for claims regarding negligent acts and more. Learn more.
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Click the button below to get started on your quote
We’ll schedule a call with you to consult on your needs, and collect more details
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
Some examples include, but are not limited to:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.