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All Commercial Use Authorization permit holders are required by the National Park Service to have liability coverage for activities conducted within Big Bend National Park / Rio Grande Scenic River. The types of activities authorized and party sizes determine the types and minimum amounts of liability coverage required.
Comprehensive General Liability Coverage
Comprehensive General Liability (Commercial General Liability) coverage is required for all activities except Shuttle Service. This type of insurance coverage is usually sold as a Guides & Outfitters (G&O) policy. The minimum required liability coverage for bodily injury is $300,000 per occurrence; higher limits may be required for some activities.
Automobile Liability Coverage
Automobile liability coverage is required on vehicles/buses used for Shuttle Service, Bus/Vehicle Tours and Visitor Transportation regardless of whether the vehicle/bus is owned, non-owned, or hired.
If the CUA holder is using owned vehicles, the automobile liability policy must state “any vehicle”, “scheduled vehicles”, or “owned vehicles”. If the policy solely states “scheduled vehicles”, then only the vehicles listed on the policy are allowed to operate within the Park. A list of scheduled vehicles should be included on the certificate of insurance.
If the CUA holder is using non-owned vehicles i.e. rented vehicles, the automobile liability coverage must state “any vehicle” or “non-owned” vehicles.
If the CUA holder is using a hired vehicle i.e. contracted from a third party, the CUA holder is not required to carry automobile liability coverage for hired vehicle. The third party however is responsible for meeting minimum automobile liability requirements as set by the National Park Service.
If the CUA holder uses a vehicle solely for transporting employees or equipment within Park boundaries, the CUA holder is only required to maintain coverage as required by state regulations.
Watercraft Liability Coverage
Watercraft liability coverage is required for boating activities on waters within NPS areas. Depending on size, ownership, and use of the watercraft, this is covered by either a Protection and Indemnity (P&I) Liability policy or by a Comprehensive General Liability policy.
Worker's Compensation Coverage
All Commercial Use Authorization permit holders must carry worker’s compensation coverage as required by state law.
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