Coverage Options
Sand Buggy Rental & Tour Insurance
Every policy a sand buggy rental or dune tour operator needs — in one place, from specialists who know off-road recreation.
General Liability Insurance
General liability is the foundation policy for any sand buggy rental or dune tour business. It protects against third-party claims of bodily injury and property damage tied to your operation — at the staging area, on the dunes, and around your facility.
Rental Equipment Coverage
Rental equipment coverage (physical damage / inland marine) protects your sand buggy and sand-rail fleet against rollover and crash damage, theft, and renter-caused damage — your fleet is your business, and GL doesn't cover it.
Participant Accident Insurance
Participant accident insurance pays medical expenses when a rider or tour guest is injured while operating a rental or riding on your guided tour — the rollover and collision exposure general liability typically excludes.
Abuse & Molestation Liability Insurance
Abuse & molestation (A&M) liability covers claims alleging abuse, molestation, or negligent supervision, hiring, or retention — critical for tour and rental operators who serve minors, families, and youth groups, since standard GL excludes it.
Commercial Auto Insurance
Commercial auto covers the road vehicles your business owns and operates — trucks and trailers that haul your buggy fleet, guest shuttle vans, and support vehicles. Personal auto excludes this business use.
Premises Liability Insurance
Premises liability covers injuries that happen on your business property — the staging area, check-in office, parking, and off-road park grounds where guests gather before and after rides.
Workers Compensation Insurance
Workers compensation covers medical expenses and lost wages when guides, mechanics, shuttle drivers, or office staff are injured on the job — required in most states once you have employees.
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