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.
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 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.
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
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 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.
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.
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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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.
Generally, the coverage limits for commercial property insurance for rock climbing instructors can range from $10,000 to $1 million or more.
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
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.
A BOP offers a $1 million-$2 million general liability coverage and $25,000-$60,000 commercial property coverage. Higher limits are available.
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
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.
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.
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.
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
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 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.
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.
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 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.
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.
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.
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 |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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 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
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
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
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
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
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
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
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!