Colorado: What Type of Business Insurance Do Ski Resorts Have?

If you live in Colorado, or visit often, then the chances are you love to ski. Colorado has some of the best ski resorts in the US. Unfortunately, accidents do happen and the ski resorts are prepared.

The general rule while skiing – is ski at your own risk. Ski resorts would go out of business if everyone who fell on the slopes and broke a bone, sued them. And, there is no such thing as a tree jumping out in front of you.

Ski Resort Insurance

  • Premises
  • Lift
  • Skiing

Primary General Liability

Primary general liability covers claims of property damage, injury (not caused by your doing), and negligence related to the ski resorts activities.

The insurance provides a wide-ranging, flexible type of coverage for all normal operations of US ski resorts including:

  • Ski schools
  • Ski shops
  • Ski rentals shops
  • Lodging
  • Food and beverage
  • Resort daycare centers

* The policy also includes coverage for daycare and ski school related incidents such as abuse (verbal, physical, mental, and emotional.) As well as unwanted physical advances and attacks.

Additional Ski Resort Coverages

  • Commercial Automobile Insurance – Shuttle buses, cars and trucks used by employees, and rescue vehicles
  • Employers Liability – If an employee is injured they will receive workers compensation, employer liability protects the ski resort from any liability.
  • Liquor Liability Coverage – If the lodge or restaurant serves alcohol, most states require liquor liability insurance. If you live in a state that does not require this type of coverage, you may want to seriously consider adding it to your commercial policy. It provides protection for you, if a patron drinks too much and gets hurt or hurts someone else.
  • Property and Crime – If type of insurance provides coverage if your property (ski’s for example are stolen.)
  • Electronic Data Processing – Covers the ski resort in the event of a computer systems failure – where credit card information could be stolen from a hacker and even if reservations are lost and overbooking results. The resort can comp rooms/cabins and file a claim and be reimbursed for lost income.

Owning a ski resort requires all types of insurance coverage. It’s easy to find the best coverage for your ski resort business by contacting commercial insuranceagents and requesting insurance quotes from Colling Insurance Services.