Guides & Outfitters

Benefits of 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 our competitors 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)

Property

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 are 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
Cyber Crime

Automobile

Commercial vehicles
Service vehicles

Vans
Buses used to transport campers