There was one thing I saw they didn't mention and that was evacuation insurance. When I rode Baja and up to Alaska I bought an evacuation insurance policy that not only would pay for a flight for life but would bring your bike home too. Not sure if UTV is considered a motorcycle through them.
At one point in baja after a bad wreck about 100 miles from anywhere I wanted to call so bad but didn't. It was comforting knowing I could have called.
Do you have any info on that kind of policy? or mabe a link? i would like to check that out.
We always make sure some one has the cash to fly guys out, but I like your idea better.
If you have info post it up at RD and see what Pab says about it?