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 Hazardous Winter Sports  


On occasion, your appetite for hazardous winter sports will far exceed that of traditional insurers resulting in exclusions in insurance policies, leaving you unprotected in the event of death or disability. 

It is essential to acknowledge the personal and business related financial risks associated with these activities. Whether you require a standalone policy or to cover off an exclusion, our team can insure these risks for both Accidental Death and Disability coverage.
Accidental Death, Dismemberment or Disability coverage available for:

  • Backcountry Skiing (Heli-Skiing and Cat-Skiing)

  • Backcountry Snowmobiling

  • Ice Climbing

  • Personal or Business coverage for Buy-Sell, Key Person & Loan Collateral


Following are examples of situations where AD&D has been used successfully:

  • Life insurance applicants declined for medical history

  • Foreign travel or residency issues

  • Exclusions in group/individual policies

  • High Risk Hobbies

  • Piloting

  • Owned, Leased or Private Aircraft Exposure

  • Older ages

  • Short term needs

  • Employer contract commitments

  • War and Terrorism


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