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If you are the owner or operator of a ski resort, you know that providing your guests with a safe and enjoyable experience is of the utmost importance. However, accidents and unpredictable events can still happen, so having the right insurance coverage is essential.
Ski resort insurance programs are designed to protect your business from financial losses resulting from property damage, liability claims, or other incidents.
This article will explore the different types of ski resort insurance coverage available, including general liability insurance, accidental medical insurance, commercial property insurance, business interruption insurance, and more.
| 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 |
General liability insurance is an essential insurance policy for ski resorts as it covers legal costs and damages from bodily injury or property damage claims by third parties. This coverage can also extend to incidents that occur on the premises or as a result of the ski resort’s operations.
Slip and fall accidents–Ski resorts are often in mountainous terrain, which can be icy, snowy, or slippery, increasing the risk of slip and fall accidents.
Property damage–Amenities in a ski resort can damage a customer’s belongings
Product liability–Ski resorts may be held responsible for injuries caused by products they sell, such as ski equipment or food and beverage items
Add-Ons to General Liability Insurance for Ski Resorts
Liquor Liability Insurance–Ski resorts that serve alcohol may require liquor liability insurance. This ski area insurance add-on covers for legal costs and damages arising from incidents related to the sale and service of alcohol
Snowmobile liability coverage–If a ski resort offers snowmobiling as an activity, snowmobile liability coverage can help protect the resort against legal claims and lawsuits resulting from snowmobile accidents
Occurrence and claims-made policies are two types of liability insurance that provide coverage for different periods and circumstances. An occurrence policy covers claims arising from incidents that occur during the policy period, regardless of when the claim is made, while a claims-made policy only covers claims made during the policy period. Occurrence policies may offer broader coverage but are more expensive, while claims-made policies may be more affordable but require additional coverage for prior acts or extended reporting periods. Ski resorts should evaluate their risks and work with an experienced insurance company to determine which policy is best for their needs.
Accidental medical insurance for ski resorts covers medical expenses related to accidents that occur while skiing or participating in other winter sports activities. This type of insurance can cover emergency medical treatment, hospitalization, surgery, and ambulance transportation costs.
Direct medical insurance is the first insurance policy that pays for medical expenses related to an accident. Excess medical insurance is a secondary policy providing additional coverage beyond the primary one.
Events insurance is a type of insurance policy that covers the risks associated with holding events such as ski resort concerts and festivals.
Weather-related cancellations of events
Cancellation due to low ticket sales or lack of interest
Damage to event equipment or property
Liability claims from event attendees
The cost of events insurance for ski resorts is typically based on a range of factors, including the size and type of event being held, the location, the number of attendees, and the level of coverage needed. Other factors that may impact the cost of event insurance include the level of risk associated with the event, the number of previous claims made by the resort, and the overall financial health of the resort.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $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 type of insurance policy that provides coverage for the physical assets of a business, such as buildings, equipment, and inventory, in the event of damage or loss due to various perils, such as fire, theft, and natural disasters. Ski resort commercial property insurance can help ski resorts in various situations, such as:
Damage or loss to buildings, equipment, and inventory due to natural disasters such as storms, and fires
Theft or vandalism of property or equipment.
Business interruption due to damage or loss to property that causes temporary closure of the resort
Loss of income due to damage or loss to property or equipment
Business interruption insurance–Business interruption insurance is an add-on to commercial property insurance that provides coverage for lost income and expenses incurred due to the temporary closure of a business
Equipment breakdown insurance–Equipment breakdown insurance is an add-on to commercial property insurance that covers repairing or replacing equipment due to mechanical or electrical breakdown
Replacement cost refers to replacing damaged or lost property with new property of like kind and quality without any depreciation deduction. On the other hand, actual cash value takes into account depreciation and is the property’s value at the time it was lost or damaged. Replacement cost coverage is generally more expensive than actual cash value coverage.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $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 |
This insurance policy provides comprehensive coverage for small to medium-sized ski resorts. It combines two essential coverages–property insurance and general liability insurance–into one policy, offering cost savings compared to purchasing the coverages separately. BOP for ski resorts can help in the following situations:
Property damage caused by fire, theft, or natural disasters
Bodily injury or property damage claims made by third parties due to the operation of the resort
Lawsuits filed against the resort for advertising injury or slander
BOP for ski resorts can be customized with add-ons to increase coverage, such as:
Data breach coverage–This add-on protects against losses from data breaches, cyber-attacks, or identity theft. Ski resorts that handle customer data, such as credit card information, may find this coverage helpful
Employment practices liability insurance–This covers claims related to wrongful termination, discrimination, harassment, or other employment-related issues
Business interruption insurance for ski resorts is designed to cover lost income and extra expenses if the resort is forced to shut down temporarily due to a covered loss, such as damage to property or equipment from a natural disaster. Some of the costs that may be covered under business interruption insurance for ski resorts include:
Equipment failure–If a critical piece of equipment such as a ski lift, snow-making machine, or grooming vehicle breaks down and causes a shutdown of operations
Power outages–If a power outage occurs and the ski resort is unable to operate lifts, make snow, or provide other essential services to guests
Property damage–If a fire, vandalism, or other incident causes damage to the ski resort’s property or facilities and forces a temporary shutdown
Contingent business interruption insurance–This type of insurance covers losses resulting from disruptions in the operations of suppliers, vendors, or other third-party businesses that a ski resort depends on
Civil authority coverage–This coverage applies when a ski resort is forced to close due to an order by civil authorities, such as a mandatory evacuation order
Commercial auto insurance for ski resorts is an insurance policy that provides coverage for vehicles used by the ski resort for your operations, such as transporting guests, employees, equipment, and supplies.
The costs covered by commercial auto insurance for ski resorts may include:
Auto liability coverage–Covers the cost of medical expenses in case your ski resort’s vehicle causes an accident involving third parties
Collision coverage–Pays repair costs if the commercial vehicle got damaged in a collision with another vehicle
Comprehensive coverage–Pays repair costs if the commercial vehicle got damaged due to fire, theft, vandalism, lightning, and other covered perils
Uninsured/underinsured motorist coverage–If the covered commercial vehicle got involved in an accident caused by another vehicle, this pays the expenses the driver at-fault can’t pay because he/she is uninsured/underinsured
The add-ons to commercial auto insurance for ski resorts may include:
Rental reimbursement–This covers the cost of renting a vehicle while the ski resort’s vehicle is being repaired due to damages from an accident or incident
Roadside assistance–This provides emergency roadside services, such as towing, jump-starting, or fuel delivery, in case the ski resort’s vehicle breaks down
Personal injury protection–This covers medical expenses and lost wages for the ski resort’s employees or passengers in case of an accident or injury while using the vehicle
Hired and non-owned auto liability–This covers the cost of damages and injuries caused by vehicles that the ski resort hires or uses but does not own, such as rental cars or employees’ personal vehicles used for work purposes
Excess liability insurance is a type of insurance that provides additional coverage beyond the limits of a primary liability policy. For ski resorts, excess liability insurance provides additional protection against claims or lawsuits that may exceed the limits of your primary general liability insurance.
Trailer interchange insurance covers the repair or replacement of trailers that your ski resort borrowed or hired under a trailer interchange agreement. This is sometimes available as an add-on to commercial auto insurance.
Debris removal coverage–This add-on covers the costs of removing debris that may result from an accident or incident involving the trailer
Pollution cleanup coverage–This add-on covers the costs of cleaning up any pollution caused by an accident or incident involving the trailer
Workers compensation insurance is something you, as a ski resort owner, need to consider. This type of insurance benefits your employees who become injured or ill while performing their job duties.
Workers compensation insurance for ski resorts typically covers the following costs:
Medical expenses
Lost wages
Disability benefits
Rehabilitation costs
Death benefits
As a ski resort owner, you should know that workers compensation insurance can be beneficial in situations where your employees are injured or become ill while performing their job duties. This includes accidents on the slopes, injuries from equipment or machinery, and illnesses from exposure to hazardous materials. Without workers compensation insurance, you may be held liable for the costs associated with the employee’s injury or illness.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $70 | $840 | $0-$500 |
| Excess liability insurance | $72 | $864 | $1,000-$2,000 |
| Commercial property insurance | $75 | $900 | $1,000-$2,000 |
| Business owner’s policy | $145 | $1,740 | $1,500 |
| Tools and equipment insurance | $78 | $936 | $500-$1,000 |
| Commercial auto insurance | $80 | $960 | $500-$1,000 |
| Trailer interchange insurance | $82 | $984 | $500-$1,000 |
| Workers compensation insurance | $90 | $1,080 | $2,000-$5,000 |
The average ski resort insurance cost is $70 per month or $840 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, deductibles, coverage limits, location, and annual revenues. Here’s another table showing the cost of $1 million general liability insurance from companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Small to mid-sized businesses seeking comprehensive coverage |
| CoverWallet | $30 | $360 | Comparing ski resort insurance quotes online |
| The Hartford | $33 | $396 | Experienced specialists |
| Tivly | $39 | $468 | Comparing ski resort insurance quotes over the phone |
| Thimble | $50 | $600 | On demand coverage |
| Hiscox | $60 | $720 | Small to mid-sized ski resorts seeking comprehensive insurance coverage |
Get all the best quotes from leading providers in a click of a button!
When it comes to finding the best insurance companies for ski resorts, there are a few key factors that you should consider, including coverage options, cost, and customer service. Here are some of the top insurance companies to consider for ski resort insurance. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for art therapists
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a technology company that emphasizes its focus on making the lives of its clients easier through artificial intelligence and analytical techniques. Thousands of policies are assessed to develop actionable insights that provide policy benefits to clients.
Best for: Small to mid-sized businesses seeking comprehensive coverage
Average cost: $25 per month
Our rating: 10/10
CoverWallet provides access to multiple insurance carriers, allowing ski resorts to compare quotes and find the best coverage at a competitive price
The company partners with multiple insurance carriers to provide customized insurance solutions for businesses of all sizes
CoverWallet has received positive customer reviews and is accredited by the Better Business Bureau
The company offers quick turnaround times for policy approvals and claims processing
Some ski resorts may prefer to work directly with an insurance carrier rather than a broker
CoverWallet is an internet-based insurance broker that enables owners of small businesses to obtain quotes from multiple insurance companies simultaneously. CoverWallet itself is not a provider of business insurance.
Best for: Comparing ski resort insurance quotes online
Average cost: $30 per month
Our rating: 10/10
The Hartford has a long history of providing insurance to businesses and has a strong reputation for customer service
Easy to track your claims online
Up to $5 million in coverage limits
Agent required for the purchase process
If you need a specialist agent’s help to make your decision, The Hartford is a fine choice. They have a high policy limit allowing you to cover more if needed. A higher coverage limit will usually increase your monthly premium.
Best for: Experienced specialists
Average cost: $33 per month
Our rating: 10/10
Simplifies the process of finding an insurance provider for businesses
Provides a wider range of options for businesses to choose from
Helps insurance providers find customers who fit their solutions
Increases efficiency for agents and brokers
Can save time and effort for both businesses and insurance providers
The platform may not be suitable for businesses with particular insurance requirements
Tivly is a platform that operates as an intermediary between businesses and insurance providers. The platform aims to simplify the process of connecting businesses with an insurance company that can cater to their specific requirements. Call now to compare quotes over the phone.
Best for: Comparing ski resort insurance quotes over the phone
Average cost: $39 per month
Our rating: 9/10
Thimble offers on-demand insurance policies, allowing customers to only pay for coverage when needed
Thimble’s customer service team is responsive and helpful, providing support via phone, email, and chat
Provides excellent 24/7 expert support and enjoys exceptionally high customer satisfaction ratings
Thimble is currently only available in select states, which may be a limitation for some customers
Thimble is a U.S. company that provides on-demand insurance coverage for small businesses and independent workers. The company uses technology to enable customers to purchase insurance by the hour, day, or month.
Best for: On-demand coverage
Average cost: $50 per month
Our rating: 8/10
Strong financial stability and credit rating
High customer satisfaction
Hiscox offers worldwide coverage, which is excellent for businesses in multiple countries
provides risk management resources to help customers reduce risk exposure and prevent losses
No Alaska coverage
Hiscox is a global insurance company that provides a wide range of insurance products. The company was founded in 1901 and has since become a leading insurer in Europe, the United States, and Asia.
Best for: Small to mid-sized ski resorts seeking comprehensive insurance coverage
Average cost: $60 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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