Scrambling up and down rocks is certainly one way to get the adrenaline pumping. From traditional climbing, free climbing, bouldering and top roping, climbing is a favourite past time for many thrill-seekers. Expert rock climbing guides have a duty of care to ensure everyone stays safe, but there are of course some inevitable risks when it comes to running an adventure business.
That’s why taking out adequate climbing guide insurance is paramount.
What is Climbing Guide Insurance?
Climbing guide insurance is a specialised type of insurance that allows rock climbing guides to operate their business with confidence in knowing they’re protected. Rock climbing is generally a safe activity, but regardless of how skilled a guide is, how good they are at setting up equipment or giving instructions to new climbers, there will always be some inherent risks that come with it.
The most obvious risks are physical such as injuries and accidents, but there are also legal implications of being a rock climbing guide. Most people walk away from a climbing experience buzzing with adrenaline and endorphins, but occasionally you might have customers that have an accident or experience some sort of problem, and because you are their guide, they will blame you even if it wasn’t your fault. In this instance, it’s crucial that you have climbing guide insurance to protect you and your business against liability.
What Does Climbing Guide/Instructor Insurance Cover?
Climbing guide insurance provides cover for injuries and accidents sustained by participants under your guidance. Injuries and accidents can be caused by falling rocks and objects, entanglement from loose clothing or jewellery, participants descending too fast, falling from height and general slips and tumbles. Accidents can happen even when you provide the clearest instructions to your students and follow a strict safety protocol.
Climbing guide insurance can also cover against damage to third-party property if the damage is caused while you’re operating your rock climbing business.
How Much Does Rock Climbing Guide Insurance Cost?
Climbing guide insurance typically starts at around $600. It’s important to note that in order to qualify for climbing guide insurance, you must meet the minimum formal qualification requirements of an insurer (usually a Certificate 3 in fitness or a similar field). Qualifications for ropes and rigging sometimes aren’t sufficient, but this is dependent on the insurer.
Get your Climbing Guide Insurance Quote Today
At Insurance HQ, we have access to some of the most reputable climbing guide and activity instructor insurance providers in Australia. If you’re looking for a climbing guide insurance policy that can be tailored to your unique business requirements, get in touch to have a chat about your options.