Snowmobile TourInsurance

Coverages

A complete program for tour operators

Insured piecemeal, gaps open up between policies. Insured as a program, the pieces interlock — here's how they fit together.

General & Participant Liability

The foundation coverage for guest injuries and third-party claims — required by landowners, USFS/BLM permits, and venues before you can operate.

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Professional / Guide Liability

Covers claims arising from the guiding service itself — route selection, safety briefings, and instructional decisions that a premises-only policy won't touch.

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Physical Damage & Equipment

Repairs or replaces your sleds, trailers, and gear after collision, rollover, fire, theft, or vandalism — including the backcountry use auto policies exclude.

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Rental Operations

The distinct exposure of handing sleds to untrained riders — rental liability, damage-waiver programs, and renter screening, rated very differently from guided tours.

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Commercial Auto & Trailers

Liability and physical damage for the trucks and enclosed trailers that move your guests and sleds to the trailhead — where personal auto policies stop.

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Workers Compensation

Medical bills and lost wages when a guide, mechanic, or trail hand is hurt on the job — a real exposure in cold, remote, motorized terrain, and state-mandated once you have employees.

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Commercial Property

Protects your base lodge, shop, staging garage, tools, and parts inventory against fire, weather, and theft — plus business income when a loss shuts down your season.

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Risk Management & Waivers

Well-drafted waivers, guide training, and avalanche protocols cut claim frequency and premiums — but a waiver is never a substitute for insurance.

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Not sure which coverages you need?

Tell us how you operate and we'll build the right program — with no gaps between policies. Call 844-967-5247.

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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.

Request a Quote 844-967-5247