Outdoor Activity Insurance : Simplified for Your Business

Operating in the great outdoors comes with its unique set of challenges and risks. If you're running a business that offers outdoor activities, having the right insurance in place is essential for protecting your team, participants, and business assets.

At AB Phillips, we specialise in offering tailored insurance solutions for businesses in the outdoor and adventure industries. Here’s a comprehensive guide to help you navigate the insurance landscape and safeguard your operations.

Why Risk Management Matters

Good risk management practices are your first line of defence against potential liabilities. Following the  Australian Tourism Accreditation Program (ATAP)  and utilising the practices tailored to your activities significantly reduces risks. However, even with excellent preparation, unexpected events can still occur. Insurance serves as a crucial safety net, protecting you from the financial consequences of accidents and other unforeseen events.

Key Insurance Types for Outdoor Activity Providers

1. Liability Insurance – Third-Party Personal Injury & Property Damage

Liability insurance is often mandatory for businesses using council-owned facilities, state nature reserves, or national parks. Private landowners may also require proof of cover. Typically, you will need to provide a Certificate of Currency before gaining access to these areas.

  • Coverage ensures protection against claims involving injuries to participants or damage to property.

2. Workers’ Compensation – Protecting Your Employees

If you employ staff, you are legally required to provide workers’ compensation cover. In Australia, this is governed by state-specific laws. For example:

Learn more about your state’s requirements through your AB Phillips adviser.

3. Property Insurance

Commercial property and building insurance will cover the costs of reinstatement, repair or replacement of your business property including building, plant, equipment and more, following physical loss of or damage arising from insured events such as fire, storm, lightning, explosion, impact, etc.

5. Professional Indemnity Insurance

For businesses offering advice, training, or professional services, professional indemnity insurance protects you against claims arising from alleged negligence, errors, or omissions in your advice.

Tailoring Insurance to Your Needs

Every business is unique, and your insurance requirements may differ depending on your activities, client base, and operating locations. At AB Phillips, we work with you to assess your specific needs and provide tailored solutions.

Our team of experienced brokers ensures you are fully informed about your insurance options and protected against all potential risks.

Need Help? Talk to Us

At AB Phillips, we understand the complexities of operating in the outdoor activity industry. From crafting comprehensive risk management plans to offering expert insurance advice, we’re here to help you focus on what you do best—delivering unforgettable experiences.

Get in touch with us today to ensure your business is protected, and let us handle the details.

Reach out to learn more or speak with an expert.

Eliza Whyte