CBIZ Sattler Adventure Sports Blog

Insights and tips on how to protect your adventure sports business, giving you and your guests peace of mind.

Ward, Hayden
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Navigating the Rapids of Whitewater Rafting Insurance

Whitewater Rafting Business Insurance

Whitewater rafting excites your spirit and ignites your soul. Without a doubt, it’s exhilarating and risky, but that’s one of the reasons why we love it so much. Even rafting in smooth, easy water comes with its unique exposure to risk. Commercial adventure sports insurance helps ensure the fun that comes with the sport is still there even if there’s an incident.

Each whitewater rafting operation is unique with different insurance needs, just like the class of the river varies by the water and obstacles surrounding it. At CBIZ, we are lucky to have a team well-versed in outdoor adventure. Our VP of Sales, Chris Frazee brings an extensive adventure sport background, having spent 18 years working for a raft manufacturer and being a former river guide in Idaho.

Maneuvering through Different Insurance Policies

You want to know that your rafting business is taken seriously and in good hands. Correctly insuring your business does just that. Whitewater rafting liability insurance compensates for damages incurred by your guests and helps fight against lawsuits.

For example, a guest could trip and fall on the way to the raft or when leaving the river. Accidents like these are common but can still result in serious injury. Without a strong policy on your side, you could experience an expensive lawsuit. Don’t forget that whitewater rafting is an adventure sport and could lead to death.

Although you do everything to keep your guides and customers protected at all costs, property and commercial auto insurance should not be overlooked. Rafting equipment, supplies and mortgage payments are expensive. Commercial adventure sports insurance helps protect against the loss of vital equipment you need to run your business.

Class I, II and III Rapids

Class I, II and III Rapids will create some jolt as the rafts shimmy down narrow passageways and feel the impact of larger waves. Many first-time rafters will begin here to learn the basics. It’s crucial for your guides and business to be covered from all ends just in case.

“Even the “easiest” rapids present the risk of injury or death,” says rafting and insurance expert Chris Frazee. “That’s why my team and I are here to help guide you in protecting your business.”

Class IV and V Rapids

As each class rises in difficulty, CBIZ Adventure Sports can help find the correct policy to cover your river business. If your business takes guests on Class IV and V Rapids, we understand the need for reliable protection.

Our team member Chris says, “To properly and effectively run class IV/V rapids, you need to know how to navigate the obstacles ahead with the proper equipment.  No different, your insurance policy needs to be correctly written to cover you for the class of water you operate on.  CBIZ Adventure Sports has a customized insurance program specifically designed for whitewater rafting companies who operate on water classified above class III.  With 25+ years in the whitewater rafting industry and continuing to recreationally raft myself, I understand your business and what coverages you need to properly operate your business.”

Even if your trips include strong currents, vertical drops and obstacles to avoid, we can help protect you. Anytime larger waves and narrow passages are thrown into the mixture, more precise maneuvering and insurance are needed to avoid upset and a lawsuit.

Keep Calm and Paddle On with CBIZ Adventure Sports Insurance

Any day on the river is a good day, but unwanted risks can always be floating around. Our passionate team knows exactly what your business needs while on the water. Life is short. Paddle on and get the protection your business needs today. Request a free CBIZ Adventure Sport Insurance quote.

This blog may contain scenarios that are provided as examples only. In an actual claim situation, coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information

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800.615.8418 | adventuresports@cbiz.com

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CBIZ Sattler Adventure Sports Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of adventure sports businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a policy coverage to meet the needs for those in the recreation and outfitting industries. Our policy is underwritten by an A.M. Best Rated A++ (Superior) company.

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