Together with the skipass or bikepass you can buy the insurance policy AIG sNOwPROBLEM (recommended, not mandatory)
If you buy a hourly, daily or multiday skipass or bikepass, you can buy together the insurance that covers damage to third (things and people), legal protection and medical expenses refund for first aid. If you buy a multiday skipass or bikepass starting from 3 days, the insurance refunds you, only in case of injury, the part of skipass or bikepass, lessons and equipment rent you didn't use.
It costs 2,50€ per day per person and it is bounded to the skipass or bikepass. Insurance policy is personal.
The insurance can not be buy with the one way or return tickets for pedestrians (non skiers or non bikers). Insurance can be bought on one way ticket only in summer with bike trasportation fee for bikers.
Learn more on AIG sNOw problem insurance policy for daily bikepasses: download the information booklet
See the italian version