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Backpacking |
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Livery, shuttle or transport services for your own operations |
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Bicycle Rental (Non Stand-Alone) |
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Owned Lodges/Cabins (must be 50% or less of total revenues) |
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Bicycling Tours (guided, less than 50 miles) |
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Paddlefit |
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Campgrounds (must be 50% or less of total revenues) |
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Paddling schools |
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Camping |
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Paddling/Paddleboarding (includes stand-up paddleboarding) |
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Cross country skiing (must be 20% or less of total revenues) |
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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 | - | 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 |
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services; athletic courts; participation in demonstration days, trade shows or events, but only for an activity designated as a |
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covered activity; equipment rental for activities designated as a covered activity; office exposures for covered activities, |
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motorized watercraft (less than 250hp) for one of these covered designated activities and camping. |
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Snorkeling and shoreline sailing must be less than 10% of total receipts. |
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| Liability Coverage & Limits |
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| General Liability | Equipment & Contents |
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General Aggregate Limit $5,000,000 |
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$250-$1,000 deductible (depends on limits) |
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Personal & Advertising Injury |
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General Liability coverage must be purchased in |
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Damage to Premises Rented to You |
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conjunction with the Equipment & Contents |
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Medical Payments EXCLUDED |
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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 |
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Injury or death to animals |
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Aircraft/hot air balloon |
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Land sailing/sand yachting |
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Airport |
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Motorized vehicles |
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All skiing (except cross-country/telemark/snowshoeing) |
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Mountaineering (including mountain biking and rock/ice climbing) |
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Amusement device (arising out of the ownership, operation, |
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Professional Liability |
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maintenance or use of any "amusement device") For purposes |
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Public storage operations |
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of this exclusion, "amusement device" means any device or |
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Ropes/challenge courses |
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equipment a person rides for enjoyment, including, but not |
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Sailboat racing and stunting |
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limited to, any mechanical or non-mechanical ride, slide, or |
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Securities and financial interest |
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water slide including any ski or tow when used in connection |
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Snow sled (arising out of the ownership, operation, maintenance, |
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with a water slide, moonwalk or moon bounce, bungee operation |
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use, loading or unloading of any equipment or device used for |
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or equipment. "Amusement device" does not include any video |
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snow sledding, including but not limited to, any inflatable tube, |
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arcade or computer game. |
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saucer, sled, toboggan or bobsled. This exclusion does not apply |
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Any water related activities conducted more than one mile |
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when such equipment or device is used by you, your employee or |
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from shore |
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ski patrol to provide emergency rescue or first aid) |
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Archery/skeet/trap/pistol ranges |
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Snowmobiles (arising out of the ownership, operation, maintenance, |
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Asbestos |
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use, loading or unloading of any snowmobile) |
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ATV |
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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 |
| - | Equine/saddle animals | | practicing |
| - | Fireworks | - | Zip Lines |
| - | Fungus | | |
| - | Ice climbing | | |
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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: |
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Completed and signed enrollment form |
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Certificates of insurance as per requirements on the |
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Full premium payment by check or credit/debit card |
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enrollment form |
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