Guides and Outfitters Insurance

A guides and outfitter insurance policy typically includes the following coverages:

• Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL protects your business’s operations against third-party bodily injury or property damage claims whether on your premises or while on an outdoor trip, such as a slip and fall that injures one of your customers. For outfitters, CGL may include product liability insurance for any product or item you manufacture, distribute, or sell. If it isn’t included in your CGL coverage, you can add it as an endorsement. If you or your business are named in a lawsuit, CGL may cover your legal defence expenses and compensation awarded to a plaintiff.

• Commercial Property Insurance: You need to protect your business’s office or shop (the building and attached structures) and your inventory and business contents (furniture, electronics, office equipment) if damaged or destroyed by fire, flood, extreme weather, or if vandalized or if your property is broken into and your possessions and equipment are stolen. Commercial property insurance exists for that reason. It may provide you with funds to repair or replace losses or damages you suffer.

• Professional Liability Insurance: Vital coverage for outdoor guides, professional liability insurance, also called errors and omissions (E&O) insurance, covers you if facing allegations of negligence, misconduct, errors, and failing to deliver a service as promised. It includes media and advertising coverage if you’re sued for libel, defamation, or false advertising. Professional liability insurance may provide you with financial support if you’re sued or facing a financial loss due to a service you provided.

• Inland Marine Insurance: Also known as tools and equipment insurance or heavy equipment insurance, inland marine coverage is usually purchased by cargo delivery organizations to safeguard the equipment and goods they transport by truck or train. For outdoor guides and outfitters, it’s worthwhile coverage to add to your policy if you provide expensive equipment to your customers to use while travelling to a specific destination. It can provide funds to repair or replace gear and equipment damaged by fire or floods, or if they’re lost, vandalized, or stolen.

• Commercial Auto Insurance: If your business has vehicles that are used to transport people, materials, and equipment, you need a commercial auto policy. Most private-passenger car insurance policies do not provide coverage for any vehicle that’s used for business purposes.

• Cyber Liability Insurance: You may specialize in providing unique, unforgettable outdoor adventures, but chances are you’re using technology to communicate with your customers, book reservations, and collect payments. That makes cyber liability insurance a critical component of your overall protection. Cyber liability insurance covers you for the cost of damages resulting from a data breach or cyber-attack. For example, if you suffer an email phishing attack that compromises your network and a cybercriminal steals your past and present customers’ financial and personal information, you could be held liable for their losses.

• Event Liability Insurance: Hosting and organizing great outdoor adventures comes with great risks. Event liability insurance covers your third-party bodily injury and third-party property damage liabilities that may arise when leading clients on activities you manage like hiking, hunting, fishing, rafting, and others. It can cover an injured third party’s medical costs and pay to repair or replace their property if damaged due to your actions or the activities you organize.