An insurance program designed for businesses engaged in the operation of ski areas/ ski resorts. The MountainGuard program is the longest running program of its kind, having just celebrated 50 years with a single carrier, Chartis

The program reaches across North America and brings stability and depth of knowledge, having been one of the founding fathers of I.A.S.D.A. (International Association of Ski Defense Attorneys).

Eligibility Requirements

MountainGuard is intended for businesses engaged in the operation of Ski areas / Ski resorts

Loss Control

The MountainGuard Insurance Program is built around the concept of providing Resorts with industry specific loss control and risk management services. That means our team is solely focused on the resort industry and are specialists in the resort field. All Risk management and loss control services are provided by Professional Engineers

Claim Management

All claims under the MountainGuard program will be handled by dedicated claim professionals. One of our program’s greatest strengths is our ability to integrate specialized claims handling, loss control and prevention techniques for this market segment.

Coverage Available

MountainGuard has been designed to include coverage that meets the special needs of ski areas and includes:

  • Large property capacity with no catastrophe/ casualty limit and a single carrier
  • Individual policies- you choose the renewal date
  • Equipment Breakdown
  • Snowmobile/ATV Liability to full General Liability Limit of $10,000,000 or more (while on Insured’s property)
  • Limited pollution liability
  • Tubing (no restrictions or helmet requirements)
  • Mountain Biking
  • Cross Country Skiing
  • Golfing- Including Pollution coverage for pesticide/herbicide
  • Hotels, time shares, condominium corporation



Our experience with Krause Edwards has been exceptional. They have really taken the time to familiarize themselves with, and understand, our business in order to provide us with the best insurance program to suit our needs. We are so appreciative of their efficient, professional and very personalized service.  

Kristen Douglas
General Counsel
Blue Mountain Resorts Limited