adventure
insured.
Outdoor recreation and adventure insurance — purpose-built programs, free loss control included, and underwriters who actually know your class.
What we cover
Coverage built for outdoor rec and adventure businesses.
Purpose-built coverage across six outdoor recreation verticals — each program designed for the specific risks, seasons, and liability profiles of that class.
ATV & UTV rentals
Commercial general liability, physical damage, and excess coverage for off-road vehicle rental operations.
Learn More →Boat & marine rentals
Hull, P&I, and marina operator coverage for powerboat, pontoon, kayak, and watercraft rental businesses.
Learn More →Snowmobile rentals
Seasonal liability and physical damage programs for snowmobile rental operators across the northern US and Canada.
Learn More →E-bike & bike rentals
General liability and property programs built for e-bike rental shops, tour operators, and multi-sport outfitters.
Learn More →Outdoor recreation & adventure
Comprehensive programs for zip lines, ropes courses, guided tours, and multi-activity outdoor recreation operators.
Learn More →Ski & snow sports rentals
Liability and equipment programs for ski rental shops, tubing hills, and snow sports outfitters.
Learn More →How we work
From first consultation to ongoing coverage
Three unique attributes to our programs — and a clear five-step process from first call to full coverage.
Purpose-built programs
Not commercial GL with an outdoor endorsement. Every vQuip program is designed from the ground up for your specific vertical — appetite, limits, and exclusions built for how your business actually operates.
Free loss control, included
Loss control isn't an add-on — it's included with every policy at no extra cost. Operators who run safe, documented operations build a track record that translates to better renewal pricing.
Underwriters who know your class
We know the difference between a guided ATV tour and an unattended rental lot. The right questions at submission mean faster quotes and fewer surprises at claims — average turnaround under 48 hours.
The process
Five steps from first call to full coverage
Quote
Tell us about your operation. Fleet size, location, revenue, years in business. Takes about 10 minutes. We'll match your risk profile against our carrier panel.
Design
We build a coverage structure around your specific operation — not a template. Limits, deductibles, and endorsements selected for your class and size.
Protect
Policy bound. Certificates issued. You're covered. Your dedicated underwriter is available for mid-term changes, additional insureds, and claims guidance.
Equip
Loss control services kick in. Site assessment, safety review, training materials. This is the part that lowers your premium over time.
Reward
Clean loss history earns you better terms at renewal. Loss control data feeds back into your pricing — operators who run well, pay less.