Who We Insure
Built for every kind of snowmobile operation
Guided, rental, backcountry, resort, club, or multi-activity — each carries its own exposure, and each is rated differently. We tailor coverage to how you actually operate.
Guided Snowmobile Tour Companies
The highest participant-injury exposure in the niche. You need general liability plus participant legal liability, professional/guide liability, and physical damage on the fleet — with additional-insured endorsements for your land-use permits.
Snowmobile Rental Outfitters
Handing powerful machines to untrained renters changes everything. Rental liability, collision-damage-waiver support, higher physical-damage limits, and documented renter screening drive how your operation is rated.
Backcountry & Mountain Guide Services
Avalanche, cold-injury, and remote-terrain exposure demands strong professional and participant legal liability — plus evidence of avalanche and guide certification to secure coverage at all.
Resorts & Lodges with Sled Ops
A blended exposure — commercial property and premises liability layered with a snowmobile program. We coordinate the sled operation with your master resort policy so there are no gaps and no costly duplication.
Snowmobile Clubs & Events
Special-event and one-off liability, spectator and volunteer coverage, and additional-insured status for host landowners and municipalities — structured for organized rides, races, and gatherings.
Multi-Activity Adventure Outfitters
Snowmobile plus snowshoe, ATV, or ice fishing? We schedule each activity on the policy so nothing falls into a coverage gap between seasons, keeping your year-round operation fully covered.
Operate Across State Lines?
We write snowmobile operations nationwide
From the Rockies to the Upper Midwest to New England, we serve snowmobile tour and outfitter operations across the country — including Colorado, Montana, Wyoming, Utah, Idaho, Minnesota, and beyond. Call 844-967-5247.
Request a QuoteProtect 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.