Who insures it · 5 named markets · read 2026-10-28

Who insures ski resorts and ski clubs?

Ski resorts and ski clubs is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write ski resorts and ski clubs: MountainGuard (Amwins Program Underwriters), Safehold Ski (division of IGP Specialty), Sadler Insurance (division of Specialty Program Group, LLC), XINSURANCE (DBA of Evolution Insurance Brokers, LC), Prime Insurance Company. 2 program administrators, 1 MGA, 1 wholesaler, 1 E&S carrier. 2 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
MountainGuard (Amwins Program Underwriters) Program administrator	Ski resorts and ski areas of any size ('Whether you have 5,000 or 5,000,000 skier visits'): multi-line property & casualty ski insurance program with claims management and loss control services; 'Backed by Amwins'. “MountainGuard stands as the unparalleled pioneer of multi-line ski insurance programs in North America”	North America (no state list)	not stated	mountainguard.com · read 2026-10-28
Safehold Ski (division of IGP Specialty) MGA	Ski resorts and outdoor recreation businesses (over 170 clients): commercial general liability, excess liability, property, inland marine, machinery breakdown, crime, commercial auto, digital risk, workers' compensation, management liability; lift engineering, loss control, in-house claims adjusting. IGP Specialty describes its Safehold divisions as a managing general underwriter. “providing tailored yet comprehensive insurance programs to over 170 ski resorts and outdoor recreation businesses nationwide.”	nationwide	not stated	igpspecialty.com · read 2026-10-28
Sadler Insurance (division of Specialty Program Group, LLC) Program administrator	Ski resorts (guests, staff, property), ski schools & instructors, and ski clubs: general liability and participant accident insurance. “Ski Clubs: Ensure coverage for recreational skiers, protecting members from unexpected medical costs or liability.”	not stated	not stated	sadlersports.com · read 2026-10-28
XINSURANCE (DBA of Evolution Insurance Brokers, LC) Wholesaler	Mountain and ski resorts: customized liability, equipment and property coverage; member of the National Ski Areas Association. 'Excess and surplus lines insurance brokerage'. “Your ski resort's trusted insurance partner: a seasoned ally in navigating the complex world of winter sports risk management”	not stated (commercial auto 'Available in most states')	Surplus lines	xinsurance.com · read 2026-10-28
Prime Insurance Company E&S carrier	Winter operations liability: ski guides, ski instructors, ski rentals, ski resorts and ski tours; snowmobile rental companies and renters; commercial auto available in most states. Ski clubs not named. “Ski Guides, Ski Instructors, Ski Rentals, Ski Resorts, and Ski Tours”	all 50 states (page: 'Prime Insurance Company writes in all 50 states of the USA')	Surplus lines	primeis.com · read 2026-10-28

News reports say Safehold discontinued ski-resort coverage in Oregon in 2025; this is not stated on the fetched page. U.S. Ski & Snowboard's Club Liability Insurance Program (CLIP) covers member ski clubs but is an association program rather than a market page, so it was not included.

How ski resorts and ski clubs gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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