| - | Backpacking | - | Livery, shuttle or transport services for your own operations |
| - | Bicycle Rental (Non Stand-Alone) | - | Owned Lodges/Cabins (must be 50% or less of total revenues) |
| - | Bicycling Tours (guided, less than 50 miles) | - | Paddlefit |
| - | Campgrounds (must be 50% or less of total revenues) | - | Paddling schools |
| - | Camping | - | Paddling/Paddleboarding (includes stand-up paddleboarding) |
| - | Cross country skiing (must be 20% or less of total revenues) | - | Retail Sales (must be 80% or less of total revenues) |
| - | Eco tours | - | Shoreline Sailing (less than 1 mile from shore and must be |
| - | Fishing (guided) | | 10% or less of total revenues) |
| - | Fishing (non-guided) | - | Skimboarding |
| - | Hiking (guided)
| - | Snorkeling (must be 10% or less of total revenues) |
| - | Hunting (guided) | - | Snowshoeing |
| - | Kayak/Canoe/Raft/Tube/Paddle and Surf Board Rental | - | Surfing |
| | Operations - Class I, II, III rivers, flatwater (non-guided/guided) | - | Windsurfing |
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Note: |
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| - | Also covered are the following Incidental activities: Retail sales of merchandise and equipment; participation for food/beverage |
| services; athletic courts; participation in demonstration days, trade shows or events, but only for an activity designated as a |
| covered activity; equipment rental for activities designated as a covered activity; office exposures for covered activities, |
| motorized watercraft (less than 250hp) for one of these covered designated activities and camping. |
| Snorkeling and shoreline sailing must be less than 10% of total receipts. |
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| Coverages Available: |
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General Liability |
Equipment & Contents |
| - | General Aggregate Limit $5,000,000 | - | $250-$1,000 deductible (depends on limits) |
| - | Personal & Advertising Injury | - | General Liability coverage must be purchased in |
| - | damage to Premises Rented to You | - | conjunction with the Equipment & Contents |
| - | Medical Payments EXCLUDED | - | All items must be insured to 100% replacement |
| - | Products-Completed Operations Aggregate Limit | | cost value |
| - | Each Occurrence Limit up to $3,000,000 | - | No single item valued over $5,000 individually |
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| Notable Exclusions |
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| - | Abuse & molestation | - | Injury or death to animals |
| - | Aircraft/hot air balloon | - | Land sailing/sand yachting |
| - | Airport | - | Motorized vehicles |
| - | All skiing (except cross-country/telemark/snowshoeing) | - | Mountaineering (including mountain biking and rock/ice climbing) |
| - | Amusement device (arising out of the ownership, operation, | - | Professional liability |
| maintenance or use of any "amusement device") For purposes | - | Public storage operations |
| of this exclusion, "amusement device" means any device or | - | Ropes/challenge courses |
| equipment a person rides for enjoyment, including, but not | - | Sailboat racing and stunting |
| limited to, any mechanical or non-mechanical ride, slide, or | - | Securities and financial interest |
| water slide including any ski or tow when used in connection | - | Snow sled (arising out of the ownership, operation, maintenance, |
| with a water slide, moonwalk or moon bounce, bungee operation | | use, loading or unloading of any equipment or device used for |
| or equipment. "Amusement device" does not include any video | | snow sledding, including but not limited to, any inflatable tube, |
| arcade or computer game. | | saucer, sled, toboggan or bobsled. This exclusion does not apply |
| - | Any water related activities conducted more than one mile | | when such equipment or device is used by you, your employee or |
| from shore | | ski patrol to provide emergency rescue or first aid) |
| - | Archery/skeet/trap/pistol ranges | - | Snowmobiles (arising out of the ownership, operating, |
| - | Asbestos | | maintenance, use, loading or unloading of any snowmobile) |
| - | ATV | - | Special events sponsored by the insured |
| - | Bouldering | - | Sponsorship of races including but not limited to adventure |
| - | Bungee | | races (including but not limited to the participation in or |
| - | Canyoneering | | sponsoring of any Mud Runs or Tough Mudder Events) |
| - | Class IV and V whitewater rivers | - | Stand-alone bicycle rental |
| - | Climbing/rappelling man made structures | - | Stand-alone pontoon/boat rental |
| - | Climbing walls | - | Stand-alone ski equipment rental |
| - | Employment practices | - | Watercraft/powerboats when testing, stunting racing or |
| - | E-Foils | | practicing |
| - | Equine/saddle animals | - | Zip Lines |
| - | Fireworks | | |
| - | Fungus | | |
| - | Ice climbing | | |
| - | Indoor rock climbing gyms | | |
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Preliminary Underwriting Information Required | | |
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| The following information is required 10 business days prior to the desired effective date: |
| - | Completed and signed enrollment form | - | Certificates of insurance as per requirements on the |
| - | Full premium payment by check or credit/debit card | | enrollment form |
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