Specialized liability coverage for high-risk adventure activities — whitewater rafting, rock climbing, zip lines, mountain biking, and similar activities. Standard general liability policies often exclude these activities.

Covers claims arising from negligent instruction, guide errors, or professional mistakes. For adventure tour companies, professional liability is as important as general liability — participant injuries from guide errors are a significant exposure.

Covers medical expenses for participants injured during your tours, regardless of fault. This coverage provides faster claims resolution and reduces the likelihood of participants filing liability claims.

Covers vehicles used to transport participants to and from adventure activities. Commercial passenger transport requires commercial auto coverage — personal auto policies explicitly exclude this use.

Covers portable adventure equipment — kayaks, rafts, climbing gear, bikes, camping equipment. Equipment floaters cover items away from your business premises and during transport.

Provides additional liability protection above your primary policy limits. Adventure tour companies face significant liability exposure — umbrella policies provide critical additional protection for catastrophic claims.