Professional insurance for mountain guides

Professional insurance for mountain guides





high mountain guide

High mountain guide: what insurance to take out?

If you are a mountain guide, you must know how to identify the different risks to which you are exposed. The danger is very real, and at any time there can be an accident or an injury. Likewise, you risk having your civil liability incurred. As a sports instructor, you must assume your own responsibilities and those of your attendants and customers. This, throughout the performance, whatever it is. Here are the insurances to take out to be well protected in the context of your professional activities!
The profession of high mountain guide

First of all, let's see what the activity of a high mountain guide consists of. This physical activity, which is practiced mainly in summer, consists of accompanying groups through excursions. The role of the mountain guide is to ensure the safety of people, to define and trace the hiking routes and to inform the groups about the different places visited. He must have the right equipment. This mountaineering professional must specialize in various sports and leisure activities such as rock climbing, rock, cliff or ice climbing, mountain skiing, ice climbing, canyoning, mountain biking, mountain hiking. on foot or with snowshoes and acrobatic courses.

To become a high mountain guide, you must have certain qualities. You must first be in excellent physical condition. You have to be in good health and have great nervous resistance. Because he is required to ensure the safety of people and prevent all dangers, this professional must know how to keep his cool. He must be patient and be able to speak several languages. Indeed, as part of his activity, the latter is required to work with tourists. He must therefore be able to communicate easily. Finally, to be a high mountain guide, it is above all necessary to have a great experience in mountaineering and to have very technical knowledge.
The risks to which you are exposed

At any time, before, during or after the hike, you may have your professional liability incurred. It is you who are responsible for the safety of the participants throughout the service whether it is a mountain race, a climbing course, a snowshoe outing, an ascent. on rock or an acrobatic course. It is your duty to ensure the safety and protection of every person.

The mountain guide must also think about its protection. Accident, injury, use of search and rescue means following an accident, loss of income ... The risks associated with one's person are significant. Finally, we must not neglect the risks associated with equipment. There could be accidental breakage, theft or disappearance following a major event. This can also take place during transport or at the professional's home.
Insurance to take out to be well protected

Take out the right insurance contracts to be well protected in the event of a claim. By choosing the guarantees adapted to your profession, you will be able to limit the financial consequences. The insurances to take out are as follows:

    Professional liability insurance
    Individual Accident Insurance
    Daily Indemnity Insurance
    Sports equipment insurance

All these insurance contracts must comply with the Sport Code. Talk to your insurer about your needs, and be sure to purchase coverage that includes search and rescue costs for you and your clients. You should also think about the medical costs related to your activity as a mountain guide. Also consider taking out professional legal protection insurance. It will be very useful to you in the event of a dispute with a third party.
Comparison of insurance offers

Now that you know which insurances are essential to be well protected, you can use our online comparator to request quotes from different insurers. By comparing the offers, you will find the best guarantees at the best prices.