Commercial Insurance — A Contractors Choice Agency Program
Insurance built for snowmobile tour operators
Participant and general liability, professional coverage, equipment, commercial auto, workers comp, and property — built for guided tour, rental, and backcountry operations nationwide, and tuned to how you actually run.
Outfitter specialists
we know tour-operator & backcountry risk
Guided & rental
coverage tuned to how you operate
Permit-ready COIs
additional-insured wording done right
A Risk Like No Other
Motorized, cold, remote — and full of paying guests
A snowmobile tour operation stacks several serious risks at once: powerful machines, paying participants, remote winter terrain, and real avalanche exposure. A generic recreation policy can miss the coverages that matter most — starting with the participant injuries that are your single most likely claim.
- Participant injuries a standard policy may exclude
- Backcountry and off-trail operation generic forms don't cover
- Trailer, auto, and seasonal-crew exposure that adds up fast
- Permit and venue requirements with exact insurance wording
Coverage tuned to real backcountry exposure
Coverages
A complete program, not a patchwork
Eight coverages built to interlock — so a claim can't slip between a premises policy and a professional one.
Who We Insure
Guided, rental, backcountry & resort operations
From guided tour companies and rental outfitters to backcountry guide services, resorts with sled ops, clubs, and multi-activity adventure outfitters — each is rated differently, and we tailor coverage to how you actually operate.
See Who We InsureHow to Get Covered
Three steps to a program that fits
Tell us how you operate
Business type, coverages needed, fleet size, revenue, and states. A couple of minutes.
We tailor your program
A specialist builds coverage around your real exposure — with no gaps between policies.
Bind & get certificates
We issue the COIs and additional-insured endorsements your permits and venues require.
USFS or BLM permit? We speak their language.
Outfitter-guide permits require general liability at set limits, the U.S. Government named as additional insured in exact wording, a 30-day cancellation-notice provision, and a certificate filed each year. We handle all of it so an insurance technicality never holds up your season.
Straight Answers
What operators ask before they buy
Cost, required coverage, waivers, and permits — the full FAQ hub covers 26 questions for tour operators.
Browse All FAQsA complete program pairs general and participant liability, professional/guide liability, snowmobile physical damage, commercial auto and trailers, workers compensation, and commercial property — coordinated so a claim can't fall into a gap between policies. Rental operations need rental-specific coverage on top.
There's no flat rate. Premium depends on revenue, guest volume, fleet size, guided vs. rental mix, terrain, payroll, claims history, and limits. Request a quote with your operation's details for an accurate figure.
No. Personal lines exclude commercial, rental, and for-hire use, so claims from your operation would be denied. Guiding and renting require a commercial program built for the exposure.
Yes. We issue certificates of insurance and additional-insured endorsements — including the verbatim USFS/BLM wording and 30-day cancellation-notice provisions — that your permits, landowners, and venues require.
No. Waivers reduce risk but don't replace insurance — enforceability varies by state and no waiver bars gross-negligence or recklessness claims. A well-drafted waiver makes your coverage more effective; it isn't a substitute for it.
Protect your operation this season
Tell us about your tours, rentals, or guide service and we'll build coverage around your real exposure — with the certificates and additional-insured endorsements your permits and venues require.