Sixty-three outdoor adventure programs were reviewed to research the availability of general liability insurance for outdoor programs. Data were gathered on populations served, activities, insurer, and amount of general liability coverage. Three companies offered policies with high risk activity exclusions. Alternative ways to provide for…

Explains how experiential programs and organizations can improve relationships with their insurance companies by understanding the insurance industry's perspective and techniques of risk management. Suggests 22 specific items of information that experiential education organizations should share with insurers to demonstrate understanding and…

Provides timely information and strategies for coping with changes in the insurance industry that affect cost and availability of liability coverage for experiential education programs. Suggests ways for outdoor programs to transfer and avoid risk and to control risk if it must be assumed. (JHZ)

Outdoor experiential program providers must be aware of certain issues in order to reduce or eliminate liability claims against their organization and employees. These include liability insurance, liability education, risk control, and record keeping. Recommends that all outdoor program providers provide risk management training to employees and…