Participant liability
Injury to paying clients during a guided activity.
Business Insurance
Guides and outfitters insurance for guided trips.
You are responsible for people in places where help is far away. That distance is what makes this class specialist.
Guides and outfitters take paying clients into outdoor settings — hunting leases, lakes and rivers, ranch land — where the activity carries inherent risk and emergency services are not close. Participant liability is the core cover, and the specifics depend heavily on the activity, the equipment and how clients get there.
Participants, transport and permissions
Participant liability covers injury to clients during the activity. Firearms, watercraft and horses each change the underwriting substantially, so the application needs to describe what actually happens on a trip.
Transporting clients is a commercial auto exposure, including boats on trailers and vehicles used on rough ground. Landowners and lease holders will also frequently require a certificate naming them before you can operate on their property.
What it covers
The parts of a guides and outfitters insurance policy
Client transport
Vehicles, trailers and boats used to carry clients and equipment.
Equipment
Boats, gear, blinds, stands and specialist kit, on and off site.
Landowner certificates
Additional insured wording for leases, ranches and permit holders.
Working with us
What we do differently
We are an independent agency, so we place your guides and outfitters insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Describe firearms, watercraft and horses accurately — each changes the terms
- Cover client transport commercially, including boats on trailers
- Arrange landowner certificates before the season, not during it
Common questions
Guides and Outfitters Insurance, answered
What does participant liability cover?
Injury to paying clients during the guided activity. It is the core cover for this class, and the activity itself — firearms, water, horses — determines both availability and price.
Do I need cover for transporting clients?
Yes. Carrying paying clients is a commercial auto exposure that a personal policy will not cover, and it includes trailers and boats.
Will landowners ask for a certificate?
Almost always. Leases, ranches and permit holders typically require naming as additional insured before you can operate on their land, so arrange it ahead of the season.
Related cover
Often arranged alongside this
Boat Insurance
Homeowners policies cover small boats to a token limit. Anything with a real engine needs its own policy.
Read moreSpecial Events Insurance
Most venues will not hand over the keys without a certificate. Event liability is usually bought because somebody asked for it.
Read moreGeneral Liability Insurance
Commercial general liability covers claims brought against your business by other people. It is also the policy almost every client contract and commercial lease requires you to hold.
Read moreReady for a guides and outfitters insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.