Sports or Outdoor Activities--Commercially Operated

What Does GL Code 48610 Cover?

ISO GL class code 48610 classifies commercially operated sports and outdoor activities, encompassing a wide range of businesses that provide recreational services to the public. This code covers operations where participants engage in physical activities in outdoor settings, often involving inherent risks. It is designed for businesses that manage and facilitate these activities, ensuring proper general liability coverage for their unique exposures.

Who Uses This Class Code?

Businesses such as guided fishing charters, airboat tour operators, kayak and paddleboard rental companies, zip-line and ropes course facilities, hunting and fishing guides, and outdoor adventure camps. Also included are businesses offering horseback riding tours, rock climbing excursions, and wilderness survival training.

Common GL Claims for This Class

Common claims include participant injuries from falls during hiking or climbing, accidents involving rented equipment like kayaks or paddleboards, and incidents during guided tours such as a client falling from a horse or being injured on a zip-line.

Coverage Tips for Code 48610

• Ensure your policy includes participant liability coverage, as standard GL policies often exclude injuries to those actively engaged in your activities.
• Verify that your policy covers watercraft liability if your operations involve boats, kayaks, or other water vessels, as this is a common exclusion.
• Implement robust waiver and release forms, and ensure they are legally sound and consistently used to mitigate liability from participant injuries.
• For operations involving guides or instructors, confirm that their professional liability (errors and omissions) is either covered under your GL policy or secured separately.