Six verticals. One specialist.

Coverages offered

• Commercial general liability (CGL)
• Physical damage
• Excess liability
• Inland marine (equipment)
• Medical payments
• Hired & non-owned liability

Typical businesses

• Off-road parks
• Guided trail operators
• Resort ATV programs

Key exclusions

• Racing & competition events
• Stunt or trick riding
• Alcohol-related incidents

Appetite notes

Min. 1 year in operation. Enclosed or defined courses preferred. Rider safety briefing required at check-in.

Coverages offered

• Hull coverage
• Protection & indemnity (P&I)
• Marina operators liability
• Passenger liability
• Dock liability

Typical businesses

• Powerboat & pontoon rentals
• Kayak & paddleboard operations
• Watercraft rental businesses

Key exclusions

• Chartered/livery >6 pax without USCG cert
• Personal watercraft (unless endorsed)

Appetite notes

USCG-licensed operators required. PFD compliance enforced. Rental duration limits apply. Fleet under 10 years old preferred.

Coverages offered

• Seasonal liability
• Physical damage
• Groomer liability
• Trail operator liability

Typical businesses

• Resort snowmobile programs
• Guided tour operators

Key exclusions

• Open-mountain freeriding
• Backcountry without guide
• Racing

Appetite notes

Groomed trails preferred. Seasonal program (Oct–Apr). Minimum 3 units for fleet discount. Helmets required for all riders.

Coverages offered

• General liability
• Property
• Product liability
• Uninsured motorist

Typical businesses

• Bike rental shops
• E-bike tour operators
• Multi-sport outfitters

Key exclusions

• E-mopeds >750W / 28 mph
• Throttle-only bikes on public roads

Appetite notes

Class 1 & 2 e-bikes by default; Class 3 available on request. Helmet compliance required. Maintenance logs on file.

Coverages offered

• Comprehensive liability
• Activity operators coverage
• Watercraft liability endorsement
• Pollution liability (fuel-powered)

Typical businesses

• Zip lines & ropes courses
• Guided hiking tours
• Whitewater rafting operators
• Kayak & paddleboard rentals

Key exclusions

• Ocean/open-water rentals >1 mi offshore
• Whitewater Class IV+ without guide

Appetite notes

River outfitters welcome. Licensed guides and signed waivers required. Liability per-person limits available. Industry certifications on file.

Coverages offered

• Liability
• Equipment programs
• Ski school liability
• Ski lift/tow liability
• Avalanche liability endorsement

Typical businesses

• Ski rental shops
• Tubing hills
• Snow sports outfitters

Key exclusions

• Off-piste/sidecountry without guide
• Heli-ski operations

Appetite notes

Terrain park operators require additional underwriting. NSAA best practices compliance expected. Boot-fitting docs & equipment inspection records required.