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Challenge Course/Zip Line Operators

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Experiential Education Service Providers Insurance Program

An insurance plan designed specifically for qualifying members of the Association of Challenge Course Technology (ACCT) and Professional Ropes Course Association (PRCA) who are involved in the construction, facilitation, inspection, operation of challenge courses, and zipline/canopy tours. Coverage is provided by an insurance company licensed in all 50 states. *Professional Liability Coverage is also available for facilitators, instructors, inspectors, and builders.

Program Details Zip Line / Aerial Adventure Park Insurance Program

Comprehensive General Liability Coverage
Coverage is provided by a highly rated insurance company for those qualifying for the Association for Challenge Course Technology (A.C.C.T.) and Professional Ropes Course Association (P.R.C.A.). Comprehensive General Liability protects the named insured and employees for bodily injury and property damage claims from third parties for which the named insured is legally liable. If elected, the program can provide products and completed operations coverage for builders and suppliers who qualify. It can also cover other outfitter and guide type activities such as rock climbing, canoeing, hiking, camping, and orienteering.

Eligible Operations Include:
  • Ropes/Challenge Courses
  • Aerial Adventure Parks
  • Zip Line Tours
  • Canopy Tours
  • Vendors to this Industry
  • Builders and suppliers
Ineligible Operations Include:
  • Portable Zip Lines
  • Personal Zip Lines
  • Portable Climbing Walls

Accident Medical

Accident Medical Insurance Coverage is also available. This policy pays on a primary basis, regardless of fault or negligence, the medical bills of participants resulting from an accident while on the tour.

Schedule of Benefits
  • Accident Medical Benefit
  • Accidental Death Benefit
  • Accidental Dismemberment
  • Dental Benefit
  • Deductible per Claim
  • Minimum Premium
  • Benefit Period
  • Rate
 
  • $5,000
  • $5,000
  • $5,000
  • $1,000
  • $100
  • $250
  • 104 Weeks
  • $.25 per person

Workers' Compensation

Workers’ Compensation insurance is required in nearly all states and fulfills your obligation to your employees in the event of a work related injury. Workers’ Compensation laws require the employer to be financially responsible for medical treatment and lost wages related to an injury sustained in the course or scope of employment.

We are able to provide this coverage for those accounts that qualify. Premium is based upon annual payroll by classification of employees.

Property/Inland Marine

We can provide insurance to cover property damage to your buildings, contents, equipment and course under our Property/Inland Marine forms. Business Interruption coverage can also be added to the policy to cover loss of income or extra expenses due to a covered loss.

Covered causes of loss can include fire, lightning, hail, wind, vandalism, malicious mischief and theft. Coverage can be purchased on a replacement cost basis and deductibles range from $500 to $5,000.

Covered causes of loss can include fire, lightning, hail, wind, vandalism, malicious mischief and theft. Coverage can be purchased on a replacement cost basis and deductibles range from $500 to $5,000.

Excess Liability

Excess Liability coverage is available up to $20,000,000. This policy extends your general liability policy limits and can also extend the automobile liability policy limits, if needed. Coverage can be purchased in increments of $1,000,000.

For more information on our zipline/canopy tour program, click here. To receive further information on how we can assist you, please call or email.

You may download the applicable application below: