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Who insures it · 3 named markets · read 2026-10-28

Who insures zip lines and ropes courses?

Zip lines and ropes courses 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.

3 markets publicly write zip lines and ropes courses: Monument Sports Group (division of DOXA Programs, LLC), Granite Insurance, Alive Risk (Ryan Specialty Underwriting Managers). 2 MGAs, 1 program administrator. 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.

MarketWhat they say they writeWherePaperSource
Monument Sports Group (division of DOXA Programs, LLC)
MGA
Zipline and ropes course operators and adventure guides: general liability, property, excess, business auto, workers' compensation, participant accident, D&O, EPL, flood/quake, cyber, media, professional/E&O; platforms, belays and guided courses, waivers, weather, equipment claims, seasonal staff.
“From ziplines to guided ropes courses, our programs are built around your unique exposures.”
not stated ('may not be available in all jurisdictions')Surplus linesmonumentsports.com · read 2026-10-28
Granite Insurance
Program administrator
Zipline tour operators, aerial adventure parks, challenge courses and canopy tours, multi-location adventure operators, hybrid outdoor recreation businesses; ACCT member; partnership with Ropes Park Equipment. Independent specialty-focused agency.
“Yes. We work with zipline tours, aerial parks, and challenge courses,”
across the U.S. ('We serve operators across the U.S., including those in highly regulated states and environments.')not statedgraniteinsurance.com · read 2026-10-28
Alive Risk (Ryan Specialty Underwriting Managers)
MGA
'Zip Lines' is a listed Target Class of the Amusement program; zip lines and ropes courses also covered as family entertainment center attractions.
“zip lines, ropes courses, climbing walls, trampolines, bowling centers, laser tag, and more.”
not stated ('Some products may only be available in certain states')Surplus linesaliverisk.com · read 2026-10-28

K&K's Aerial Attractions page (insure.kandkinsurance.com) returned 403 and its main-site program list has no aerial program, so K&K was excluded. XINSURANCE's amusement page mentions 'a climber on a ropes course' only in a participant-liability FAQ.

How zip lines and ropes courses 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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