Zipline & Aerial Adventure Park Insurance Coverage Checklist
The coverages a zipline & aerial adventure park business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for zip line tours, canopy tours, and aerial adventure parks. Priorities reflect typical exposure for this class; confirm against the park's actual elements and state requirements.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers participant and visitor injuries — falls, platform and rider collisions, rescue injuries. Confirm participants are covered and not excluded. | Core | |
| Workers' Compensation | Guides work at height, perform aerial rescues, and climb to inspect equipment daily. | Core | |
| Commercial Property | Covers towers, platforms, cables, and harness inventory against storm, fire, and lightning damage. | Core | |
| Umbrella / Excess Liability | Extends limits above GL; falls from height produce fractures and catastrophic injuries, and some states require minimum insurance. | Prevalent | |
| Participant Accident Medical | Pays participants' medical bills regardless of fault — useful where many injured guests are young children. | Prevalent | |
| Business Income | Replaces income if a storm, failed inspection, or loss closes the course during the short operating season. | Prevalent | |
| Equipment Breakdown | Covers mechanical failure of auto-belay, quick-jump, and braking devices. | Situational | |
| Professional Liability (Design / Inspection) | Needed if the applicant also builds, inspects, or trains for other courses. | Situational | |
| Hired & Non-Owned / Commercial Auto | Needed if guests are shuttled to remote courses or staff drive for business. | Situational | |
| Liquor Liability | Needed if alcohol is served or permitted on site. | Situational |
The coverage gap most often missed
The gap most often missed for this class is a participant or amusement-device exclusion on a general liability policy written for a broader recreation risk — it can remove coverage for the very guests riding the lines. Confirm the GL names zip lines and aerial courses in the description of operations and covers participants. Also check state rules: several states regulate zip lines as amusement rides, and some set minimum insurance requirements, so the limits on the policy need to meet the permit as well as the risk.
Send us the checklist and we'll review your zipline & aerial adventure park coverage line by line, then market it across multiple carriers that compete for your account.
Related: Zipline & Aerial Adventure Park Insurance · Zipline & Aerial Adventure Park Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a zipline & aerial adventure park business need?
The core coverages for a zipline & aerial adventure park business are Commercial General Liability, Workers' Compensation, Commercial Property. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my zipline & aerial adventure park coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.