Coverage Options
Jeep Tour & Rental Insurance
Every policy a commercial Jeep tour or rental operator needs — in one place, from specialists who know off-road recreation.
General Liability Insurance
General liability is the core policy for any commercial Jeep tour or rental business. It protects against third-party claims of bodily injury and property damage — at your staging area, your office, the trailhead, and around your operation.
Participant Accident Insurance
Participant accident insurance pays medical expenses when a tour passenger or rental rider is injured during your activity — the rollover, trail-accident, and getting-in/out exposure general liability typically excludes.
Rental Fleet Physical Damage
Rental fleet physical damage coverage protects your Jeep and 4x4 fleet against rollover and trail damage, theft, and renter-caused damage — off-road use that standard auto policies exclude, and the asset that runs your business.
Abuse & Molestation Liability Insurance
Abuse & molestation (A&M) liability covers claims alleging abuse, molestation, or negligent supervision, hiring, or retention — critical for tour and rental operators who serve minors, families, and youth groups, since standard GL excludes it.
Commercial Auto Insurance
Commercial auto covers the on-road vehicles your business owns and operates — tour vehicles driven on public roads to the trailhead, guest shuttle vans, and the trucks and trailers that haul your 4x4 fleet. Personal auto excludes this business use.
Special Event Liability Insurance
Special event liability covers organized trail rides, 4x4 competitions, club gatherings, and outfitter events — the spectator and participant exposure that a standard policy or club coverage won't address for an organized event.
Workers Compensation Insurance
Workers compensation covers medical expenses and lost wages when tour guides, drivers, mechanics, or office staff are injured on the job — required in most states once you have employees.
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