Underwrite adventure activities with
real-time safety data
From climbing gyms to ski resorts, kayak rentals to guided tours - outdoor adventure represents high-value premium opportunities. Our integrations provide equipment status, weather conditions, guide certifications, and participant skill levels for precise risk assessment.
Why This Vertical Is Perfect for Carriers
Outdoor & Adventure offers unique underwriting advantages with real-time activity data and verified participation.
Equipment-Verified Coverage
Policies activated only after equipment inspection and safety gear verification.
Guide-Certified Rates
Lower premiums for activities led by certified, experienced guides with safety records.
Skill-Based Underwriting
Price policies based on participant skill level, certifications, and experience history.
Condition-Responsive Pricing
Dynamic rates based on real-time weather, water levels, snow conditions, and visibility.
Rich Data That Powers
Smarter Underwriting
Every adventure policy generates valuable data that improves your risk models and pricing accuracy.
Equipment Telemetry
Rental equipment age, maintenance history, inspection records, usage hours
Guide Credentials
Certifications, first-aid training, years of experience, incident history
Participant Skills
Skill assessments, lesson history, prior activity experience, certifications
Environmental Conditions
Weather forecasts, water levels, avalanche risk, trail conditions, visibility
Underwriting Benefits
What makes adventure coverage uniquely attractive for carriers.
Real-time equipment inspection and maintenance verification
Guide certification and safety training documentation
Participant skill assessments and lesson completion records
Weather and condition monitoring with auto-policy adjustments
GPS tracking and emergency beacon integration
Risk Profile
Medium-HighInherently riskier activities mitigated by professional oversight and safety systems
Risk Mitigation Factors:
Platform Integrations
We're integrated with leading adventure platforms for seamless distribution.
Explore Other Verticals
Ready to Enter the Adventure Market?
Partner with HIQOR to access the $683B adventure market with embedded, event-triggered distribution.