Zipping through the air attached to a line with a harness. What could be more thrilling… or more risky? For zip line operators, the thrill of the adventure is the selling point, drawing in patrons who want to soar. But that thrill and adventure pose a problem when it comes to securing insurance for many operators. Ziplining is a risky activity, which means insurance for zip line courses is both critical and hard to find.
As with any risky activity, this can be a tough exposure to cover. As an insurance producer, you want to ensure your clients get the protection they need to keep doing business. That is where Prime Insurance Company comes in, offering zipline liability insurance even when a client has been declined or canceled in the past.
We can offer specialty liability insurance for risks like zip-lining because we are willing and able to find solutions. We work in partnership with both the potential insured and the producer, getting to know the specifics of the risk and how to mitigate it. We understand why some insurers decline coverage, but we’ve designed our in-house partnership approach to overcome those barriers and allow you to write more business.
The Risks of Zipline Courses
While we work hard to provide insurance for specialty and tough risks, we do so with a full understanding of the conditions that make coverage a challenge. Our in-house risk management team conducts assessments and on-site visits with clients to fully comprehend how their operations work and suggest changes. This effort ensures we know the risks of zip line courses and the potential exposure via lawsuits.
Safety instructions and following those protocols is critical but may not be enough to avoid incidents and resulting lawsuits. For example, in Reno, an adventure park that includes zip lining is facing a lawsuit claiming negligence after a young boy fell from the ride. The lawsuit alleges the park employees did not strap the child in properly, resulting in a broken heel. The company’s counter is that the child was not following safety instructions.
That lawsuit calls training and supervision into question as well, another concern for operators. In Florida, another lawsuit alleges employees failed to check or secure a child’s harness which led to a 20-foot fall onto the cement.
Similar lawsuits have occurred in Colorado, including one in which a woman suffered a concussion, traumatic brain injury, knee fractures, and other bruises, cuts, and injuries. Many of these lawsuits and fines are the result of malfunctioning brake equipment or patrons failing to use brakes. In some cases, operators are not holding a proper permit from the state. Lawsuits seek damages for pain, permanent injury, and mental anguish, which can add up to a hefty cost for operators.
Zipline liability insurance provides protection, including general liability, professional liability, and excess liability. These coverage lines help operators handle any lawsuits without paying out of pocket for legal defense, medical costs, or other claims of damage. For any of your clients operating in risky businesses, insurance may stand between them and financial ruin.
Work With Prime Insurance Company for Zipline Insurance
We have mentioned the importance of our in-house risk management team and how we work in partnership assessing risk. There is more to what Prime Insurance Company offers, all based on customized coverage, strength, and stability. We provide insurance coverage in all 50 states and work in areas where others will not. We add to your markets rather than competing with what you already have.
We provide fast quotes, understanding that there is little time to waste when securing insurance. Our quick, customized liability coverage helps you meet your clients’ needs efficiently, so they get what they need from you without having to shop around. We are pleased to work directly with policyholders so they understand our approach and what we can do for them while continuing to keep producers updated.
This partnership approach extends to dedicated client support, through which our 24/7 availability continues. Clients can request support, report an incident, or make a claim at any time. Our claims handling is also direct and in-house, with a team of attorneys and adjusters ready to assist through every step.
Insurance makes business easier and better for your clients. Prime Insurance Company makes securing insurance easier and better for everyone involved. Get started with an online application today. For more details, you can also call Prime Insurance Company at 800-257-5590 or email at info@primeis.com. Please find us on social media, through Facebook, Twitter, YouTube, LinkedIn, and Instagram. Alternatively, check out our Prime Learning Sessions.
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Authored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.
