Commercial Auto Insurance
Paragliding operators shuttle students and passengers up mountain roads to launch and back from landing zones daily. Personal auto policies exclude this business use — commercial auto covers the vehicles, the liability, and your passengers.
Commercial Auto for Paragliding Operators
Shuttling clients up to launch and retrieving them from the LZ is a core part of running a school or tandem operation. The moment you're carrying paying passengers and gear on mountain roads, your personal auto policy stops responding — and a shuttle accident with passengers aboard is a serious liability event.
What's Covered
- Liability: At-fault accidents causing injury or property damage, including to passengers
- Collision & comprehensive: Damage to your shuttle vans and vehicles
- Passenger exposure: Injury to students and tandem clients riding in your vehicle
- Hired & non-owned auto (HNOA): Employee or rented vehicles used for retrieves
Mountain-Road Exposure
Launch access roads are often steep, narrow, and unpaved. Carriers underwrite for this, and the right policy is structured around passenger transport — not a generic contractor's pickup. We place coverage with carriers that understand adventure-transport risk.
Gear in Transit
Your wings and equipment in the vehicle are insured under your equipment / inland marine policy, not auto. Commercial auto covers the vehicle and its liability.
What's Covered
Frequently Asked Questions
Not safely. Personal auto policies exclude business use and passenger-for-hire transport. A claim from a shuttle accident would likely be denied. You need commercial auto with passenger liability.
No — auto covers the vehicle and its liability. Your wings and equipment are covered under a separate equipment / inland marine policy.