Nowadays ski area general liability insurance is by no means a "one stop shop". They'll look at things like skier visits, claims history, terrain profile and what activities they offer outside of skiing. Hardly a flat underwriting process like yesteryear. Bike parks 100% drive an increase in premiums, and from what I understand, the increase is in proportion to the size of the park (so you build more, you pay more) and just like skiing, number of visits/injuries etc. BTW - Thanks to everyone for checking out my monster Vail post. I know its a touch tangential to bikes, hence...