Guides & Outfitters

Guides & Outfitters program provides specially designed coverages and expertise to address the distinct exposures inherent to any guided activity. Whether you’re a guide taking someone hunting, fishing, rafting, hiking, or out on a snowmobile tour, you need an insurance company that understands your industry. Our years of experience and specialization in the outdoor insurance industry allow us to provide stability in rates and coverage that the competition can’t.

Key Benefits

General Liability and Professional Liability

Comprehensive General Liability – available limits:

– $1M each occurrence

– $2M or $3M aggregate

  • Damage to Premises Rented to You – $100,000
  • Medical payments – $5,000 ($1,000 for hunting leases)
  • Blanket additional insureds
  • Available coverage options:
  • Hunting and Fishing Guides as additional insureds
  • Watercraft Liability
  • Dogs in the insured’s care, custody, or control
  • Most ISO endorsements

Liquor Liability

  • Limits to $1M/$1M (in most states)


  • Elite Property Enhancement: Great Outdoors, including:

– $100,000 Business Income and Extra Expense

  • Replacement Cost or Actual Cash Value coverage

Available coverage options:

  • Blanket limits
  • Most ISO endorsements
  • Umbrella/Excess Liability
  • Large Excess Limits available

Inland Marine

  • Equipment, tools, saddles and tack, guns, small boats, snowmobiles, tractors, sleighs
  • Fine arts, electronic data processing, valuable papers

Crime and Fidelity

  • Employee Theft/Forgery or Alteration
  • Money and Securities
  • Theft, Disappearance, and Destruction


  • Owned Autos: commercial vehicles, service vehicles, pick-up trucks, vans, and buses used to transport campers

Seasonal Coverage: company will process endorsements to add and remove coverage or vehicles based on seasonal uses