Commercial Umbrella Insurance
Umbrella insurance extends your primary liability limits. Given that a single paragliding fatality or serious injury can exceed $1M, an umbrella is the most cost-effective way for operators to carry the limits a catastrophic claim demands.
Commercial Umbrella for Paragliding Operators
Free-flight injuries can be catastrophic, and a single tandem fatality or severe spinal injury can produce a claim well beyond a $1M primary limit. A commercial umbrella stacks additional limits — $1M to $5M — on top of your participant liability, commercial auto, and employer liability coverages for a fraction of the cost of raising each primary policy.
How It Works
1. Your participant liability: $1M per occurrence 2. A serious tandem injury settles at $2.8M 3. Participant liability pays $1M; the umbrella pays the remaining $1.8M
Why Operators Carry It
- A catastrophic flight injury can erase the value of an under-insured business overnight
- Large landowners, resorts, and event organizers often require $2M–$5M combined limits
- Umbrella limits apply across participant, auto, and employer liability — broad protection from one policy
Cost
A $1M umbrella for a paragliding operator is typically far cheaper than raising each underlying policy's limit by $1M — efficient catastrophic protection for a high-severity sport.
What's Covered
Frequently Asked Questions
Paragliding is a high-severity sport — a single serious injury can exceed a $1M primary limit and reach personal and business assets. An umbrella is the most affordable way to carry catastrophic limits.
Most operators carry $1M–$2M. Schools working with resorts, large landowners, or sanctioned competitions are often required to carry $3M–$5M.