Rock Climbing Instructor Insurance: Cost & Quotes From $30/mo

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Rock climbing is an exciting and challenging sport that requires skill, experience, and proper equipment. Some engage in this activity because it’s an excellent way to lose weight besides going to the gym. Others join rock climbing sports events to earn cash. On rare occasions, some individuals learn rock climbing to overcome their fear of heights and prepare to become window cleaners or welders for high-rise buildings. 

Ensure your client’s safety and well-being during rock climbing classes. Accidents and injuries can occur even with the most experienced climbers. That’s why it’s essential to have rock climbing instructor insurance to help cover medical expenses and protect yourself from financial losses. 

General Liability Insurance for Rock Climbing Instructors

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance is a rock climbing guide insurance policy that covers third-party claims of bodily injury, property damage, and personal injury. It is an essential policy for rock climbing instructors exposed to various risks while performing their duties. This insurance policy covers legal expenses and damages that may arise from lawsuits filed against a rock climbing instructor.


Coverage Limits of General Liability Insurance for Rock Climbing Instructors

Coverage limits for general liability insurance for rock climbing instructors typically range from $1 million to $2 million per occurrence, with an aggregate limit of $2 million to $4 million.


Add-Ons to General Liability Insurance for Rock Climbing Instructors

  • Professional liability insurance–This covers lawsuits arising from allegations of professional negligence, errors, or omissions made by the instructor while performing their professional duties

  • Abuse and molestation coverage–Protects against claims from alleged sexual abuse or molestation by the instructor

Will General Liability Insurance for Rock Climbing Instructors Cover Injuries Sustained by a Student Who Disregarded Safety Instructions?

General liability insurance for rock climbing instructors may provide coverage in such cases. Still, the coverage amount may depend on the policy and the degree of negligence on the instructor’s part.


Public Liability Insurance for Rock Climbing Instructors

Public liability insurance covers a business or individual against claims made by third parties for bodily injury or property damage. In the case of rock climbing instructors, public liability insurance protects you from financial losses resulting from accidents that occur during your work.


Coverage Limits of Public Liability Insurance for Rock Climbing Instructors

Public liability insurance for rock climbing instructors can range from $500,000 to $5 million, depending on the insurer and the level of coverage purchased.


Is Public Liability Insurance Mandatory for Rock Climbing Instructors?

Public Liability Insurance is not mandatory for rock climbing instructors. However, it is highly recommended as it can protect the instructor’s business and personal assets in case of a lawsuit.

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Commercial Property Insurance for Rock Climbing Instructors

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $320,000 $25,000/$500,000 $75,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $75,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance is a policy that protects the physical assets of a business, including buildings, equipment, inventory, and furniture, from damage or loss due to various perils, such as fire, theft, and natural disasters. For rock climbing instructors, this insurance covers the property and equipment used for rock climbing activities, such as climbing gear, ropes, anchors, and other equipment.


Coverage Limits of Commercial Property Insurance for Rock Climbing Instructors

Generally, the coverage limits for commercial property insurance for rock climbing instructors can range from $10,000 to $1 million or more.


Add-Ons to Commercial Property Insurance for Rock Climbing Instructors

  • Business interruption insurance–Provides coverage for lost income and expenses when the business is temporarily closed due to damage or loss of property

  • Equipment breakdown insurance–Provides coverage for repairing or replacing equipment due to mechanical or electrical breakdown

  • Flood insurance–Provides coverage for damage caused by flooding, which may not be covered under the basic policy

  • Earthquake insurance–Provides coverage for damage caused by earthquakes, which may not be covered under the basic commercial property policy

Business Owner’s Policy for Rock Climbing Instructors

CoverWallet NEXT (Best) Thimble  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $75,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is an insurance policy that combines several different coverages into one comprehensive policy. A BOP typically includes general liability, property, and business interruption insurance for rock climbing instructors.


Coverage Limits of Business Owner’s Policy for Rock Climbing Instructors

A BOP offers a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage. Higher limits are available. 


Add-Ons to Business Owner’s Policy for Rock Climbing Instructors

  • Cyber liability insurance–Protects against financial losses from cyber attacks, data breaches, or other cyber risks that could harm your business’s digital assets or customers’ sensitive information

  • Umbrella insurance–This coverage provides an extra layer of protection beyond the limits of your existing liability insurance policies. It can help protect your business against catastrophic losses exceeding your primary policies’ limits

Can a BOP Cover Rock Climbing Events or Competitions Outside of the Instructor’s Regular Business Operations?

BOP is designed to cover a rock climbing instructor’s regular business operations and may not provide coverage for events or competitions outside of those operations. However, depending on the specific policy and insurance provider, there may be options to add coverage for specific events or activities outside of regular business operations. It’s important to discuss any potential coverage gaps with an insurance provider to ensure adequate protection for all aspects of the business.


A rock climbing instructor, fearlessly tackles the challenge of scaling a cliff that seems to be floating in the clouds.


Tools and Equipment Insurance for Rock Climbing Instructors

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


If you’re a rock climbing instructor, you know the importance of having the right tools and equipment for the job. Accidents can happen anytime, and if your equipment is damaged or stolen, it can significantly impact your business operations. This is where tools and equipment insurance comes in handy.

This insurance protects your tools and equipment from theft, damage, and loss. It covers various equipment, including ropes, carabiners, harnesses, climbing shoes, helmets, and more.


Coverage Limits of Tools and Equipment Insurance for Rock Climbing Instructors

Tools and equipment insurance coverage limits range from $10,000 to $100,000. It is essential to note that some insurers may have specific limits for certain types of equipment, so it is crucial to check with the insurance provider to determine the appropriate coverage for your needs.


Add-Ons to Tools and Equipment Insurance for Rock Climbing Instructors

  • Inland marine coverage–Protects equipment, such as rock climbing gear, that is frequently transported to different locations. It can also cover any damage or loss caused by theft, fire, or natural disasters while the equipment is transported

Are Tools and Equipment Insurance Necessary for Rock Climbing Instructors Renting Equipment to Their Clients?

It’s still essential to have tools and equipment insurance even if you rent out gear to your clients. While your clients may have their insurance, your equipment is still your responsibility. You need adequate coverage to protect it in case of damage or loss.


Travel Insurance for Rock Climbing Instructors

Travel insurance for rock climbing instructors is a type of insurance policy that covers unpredictable events that can occur while traveling for work-related purposes. 

You can use this insurance to cover medical expenses if you get sick or injured during the trip. Travel insurance can also help reimburse your losses if luggage gets lost. This insurance will also reimburse the price of tickets and cover lodging in case of trip cancellations or delays. 


Coverage Limits of Travel Insurance for Rock Climbing Instructors

The travel insurance limits for rock climbing instructors can differ depending on the policy and insurer. However, some policies can offer up to $1 million in coverage for medical expenses and emergency medical evacuation and up to $10,000 for trip cancellation or interruption.


Does Travel Insurance for Rock Climbing Instructors Cover High-Altitude Climbing?

Not all travel insurance policies for rock climbing instructors cover high-altitude climbing, which is considered high-risk. Reviewing the specific policy to determine if high-altitude climbing is covered and what the coverage limits are is essential.


Workers Compensation Insurance for Rock Climbing Instructors

Workers compensation insurance covers occupational disease or injuries. This insurance policy covers medical expenses, lost wages, and other related costs if an employee is injured while performing their duties. 


Coverage Limits of Workers Compensation Insurance for Rock Climbing Instructors

The coverage limits for workers compensation insurance can vary depending on the state where the instructor operates. Generally, the policy covers medical expenses, rehabilitation costs, and lost wages up to a specific limit. Sometimes, the policy may also provide coverage for death benefits to the employee’s family if the injury results in death.


What Factors Affect the Cost of Workers Compensation Insurance for Rock Climbing Instructors?

The cost of workers compensation insurance for rock climbing instructors depends on various factors, including the number of employees, the level of risk associated with the job, the claims history of the business, and the state’s workers’ compensation laws.

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Rock Climbing Instructors Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $30 $360 $0-$500
Professional liability insurance $33 $396 $500-$1,000
Excess liability insurance $35 $420 $500-$1,000
Commercial property insurance $41 $492 $1,000-$2,000
Business owner’s policy $70 $840 $1,500
Tools and equipment insurance $39 $468 $500-$1,000
Workers compensation insurance $76 $912 $2,000-$5,000


The average rock climbing instructor insurance cost is $30 per month or $360 per year for a $1 million general liability insurance. Factors that affect premiums are claims history, business history, policy limits, deductibles, location, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from the best rock climbing instructor insurance companies:

Cost per Month Cost per Year Best for
NEXT $15 $180 Best overall; Fastest general liability insurance for rock climbing instructors
CoverWallet $18 $216 Comparing rock climbing instructor insurance quotes online
The Hartford $20 $240 Workers compensation insurance for rock climbing instructors
Tivly $23 $276 Comparing rock climbing instructor insurance quotes over the phone
Thimble $25 $300 Short-term general liability insurance for rock climbing instructors
Hiscox $27 $324 Worldwide coverage for rock climbing instructors

Compare Cheap Rock Climbing Instructor Insurance Quotes Online

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Best Rock Climbing Instructor Insurance Companies

Here are the companies you might want to work with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Rock Climbing Instructor Insurance

Pros 

  • Offers a simple and fast online application process, allowing rock climbing instructors to obtain coverage in minutes

  • They have received positive customer reviews for their user-friendly platform and responsive customer service

  • Offers diverse coverage options for rock climbing instructors that encompass equipment, property damage, and bodily injury protection

  • Excellent customer service

  • Get a 10% discount if you buy two or more policies

  • Get your certificate of insurance online 

  • Best overall

  • Fastest general liability insurance

Cons

  • Couldn’t find any

NEXT is a digital insurance provider that offers specialized coverage for small businesses, including rock climbing instructors. They provide modified insurance plans covering general, professional, and business personal property.

Best for: Best overall; Fastest general liability insurance for rock climbing instructors 

Average cost: $15 per month

Our rating: 10/10


CoverWallet Rock Climbing Instructor Insurance

Pros

  • Allows for easy and quick comparison of insurance quotes from multiple carriers

  • Offers personalized customer service with licensed insurance professionals available to answer any questions or concerns

  • The company offers flexible payment options and can provide certificates of insurance in real-time

Cons

  • Not an insurance company but an insurance broker

CoverWallet is an online insurance broker providing small business owners access to multiple insurance carriers to obtain customized insurance solutions. The company partners with multiple carriers to offer coverage options such as general liability insurance, professional liability insurance, and business owner’s policy. 

Best for: Comparing rock climbing instructor insurance quotes online 

Average cost: $18 per month

Our rating: 10/10


The Hartford Rock Climbing Instructor Insurance

Pros

  • The Hartford provides comprehensive coverage options for rock climbing instructors, including protection for equipment, property damage, and bodily injury.

  • The company offers various payment options, including pay-as-you-go plans and discounts for bundling policies

  • They have a strong reputation for customer service

Cons

  • Limited add-ons to general liability insurance

The Hartford is a well-established insurance provider that offers specialized insurance coverage for small businesses. They offer general liability, property insurance, and workers’ compensation coverage for rock climbing instructors.

Best for: Workers compensation insurance for rock climbing instructors

Average cost: $20 per month

Our rating: 10/10


Tivly Rock Climbing Instructor Insurance

Pros

  • The company offers fast and easy online applications, with policies typically approved within 24 hours

  • Tivly partners with top-rated insurance carriers to provide competitive rates and comprehensive coverage options

  • They offer a range of payment options, including pay-as-you-go plans and discounts for bundling policies

Cons

  • Tivly may not have the same level of brand recognition as more established insurance providers

Tivly is an online insurance platform that provides coverage for small businesses, including rock climbing instructors. They offer general liability, professional liability, and property insurance coverage. Call now to compare quotes over the phone. 

Best for: Comparing rock climbing instructor insurance quotes over the phone

Average cost: $23 per month

Our rating: 9/10


Thimble Rock Climbing Instructor Insurance

Pros

  • Offers short-term general liability insurance

  • Quick to issue an estimate of your rates

  • Numerous add-ons to general liability insurance and business owner’s policy

Cons

  • You can’t reach customer service by calling

Thimble is a digital insurance provider that offers on-demand insurance coverage for small businesses, including rock climbing instructors. They offer general and professional liability coverage on an hourly, daily, or weekly basis.

Best for: Short-term general liability insurance for rock climbing instructors

Average cost: $25 per month 

Our rating: 9/10


Hiscox Rock Climbing Instructor Insurance

Pros

  • The company has an A rating from A.M. Best, indicating financial strength and stability

  • Delivers a 24/7 claims service for fast and efficient claims handling

  • This insurance provider provides the ability to customize coverage options to fit the individual needs of rock climbing instructors

Cons

  • Online quoting not available all the time due to periodic site maintenance

Hiscox is an international specialty insurance company that offers a range of insurance products for businesses and individuals, including liability insurance for rock climbing instructors. Hiscox’s coverage includes bodily injury, property damage, personal and advertising injury, and more.

Best for: Worldwide coverage for rock climbing instructors

Average cost: $27 per month 

Our rating: 9/10

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