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 Hazardous Winter & Summer Sports
              "Income Replacement" 

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 Disability coverage, accidental death & dismemberment .

 Winter Sports included but not limited to:

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

  •  Backcountry Snowmobiling

  •  Ice Climbing

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


Summer Sports included but not limited to:

  • Mountain biking (excluding regular mt. biking hobby)

  • Indoor & outdoor rock climbing

  • Kite surfing

  • Paragliding/skydiving

  • Whitewater rafting (excluding regular whitewater rafting hobby)

  • Scuba diving


Other applications but not limited to:

  • Hard to insure:                                                               - Risky Occuptaion                                                     - Medical condition                                                     - Lifestyle                                                                      -  Age

        - foreign travel/residency

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