A: Coverage can be in place in as little as 24 hours up to 72 hours, during normal business hours Monday through Friday.  Once we receive your application and wavier we will process and obtain a formalized quote, tailored to your specific needs.  When you receive the quote, it will have all items that are needed for you to implement the policy and make payment.  During normal business hours, Monday through Friday, when all items are sent back and proof of payment has posted, your policy can then be activated the same day.

A: Our program is designed to protect you and your business entity at the time of a claim.  While the policy is designed to pay out in claims you are found negligent of, a wavier helps the courts determine if frivolous lawsuits should be heard.  The use of the wavier can help in the judicial system throughout a claim you’re not negligent of and/or be entered in to be used during a court hearing.  It is another layer of business practices to help you defend against claims you are not negligent of.

A: The insurance program is designed to help fight frivolous lawsuits.  Identifying a minor by name with a signature for a parent or guardian, proves they are accepting the responsibility of the minor(s) and confirms that the minor did in fact participate in your services under the parent or guardian’s permission. 

A:  Yes.  Additional Insureds are included at no additional cost.  We just need their legal entity name, mailing address and email address if you prefer we email it to them directly.

A: Yes & No.  If you rely on your website for your transactions and lively hood and it goes down or is held for ransom, coverage could help you finically recover the costs to get back up and running from scratch.  If you have no website or transactional online use, then this coverage is not recommended.

A: The Guide/Outfitter policy offers you coverage in all 50 states, US Territories and limited exposure in Canada.

A: The policy is designed for the commercial outdoor services you offer.  We recommend you obtain a personal policy for equipment that is used for personal and business use.

A: No.  However, this coverage offers up to $25,000 in accident coverage for guests and guides.

A: The Accident policy is separate than your liability coverage which only covers your guide(s) for liability claims.  Injury caused by a guide under your care, custody and control would be a covered claim under the accident policy for your guide(s) up to $25,000.   This is not intended to replace or in lieu of Workers Compensation insurance. 

A: Yes, we can provide coverage to lodges, cabins, outbuildings and for remote camps.

A: No. Your policy is non-auditable, so increased sales during your policy year will not result in additional cost to that policy term. However, upon renewal, your new policy will be adjusted to reflect said changes. 

A: Yes.  We can offer coverage for most equipment needs you may have.  **E-Bikes are currently not eligible for coverage.

A: No. The policy only offers liability coverage for your guiding activities.  Auto Liability is separate coverage form that follows the vehicle in which the policy is covering.  We can offer your entity Non-Owned and Hired Auto coverage if another entity requires this of you to use their land or access the waters. 

A: Guides or Outfitters-Operations which take clients on outdoor expeditions for a charge. Below is a list of acceptable guided outdoor expeditions: Hunting, Cross Country Skiing, Fishing, Snowshoeing, Boating (operated by Insured), Dog Sledding, Hiking, Canoes, Kayaks, SUP, Tubing, Photography Tours, ATV’s/Tree Stands (only related to hunting), Hunt/Fish Clubs, & Mountain Biking.

Whitewater rafting

Bungee-Jumping, Paintball, Sky-diving, hang-gliding, para-sailing, ballooning, sailplane, ultra-light personal aircraft units.

Ski Lifts, tobogganing, sledding, downhill skiing, gondola transport, funicular transport, zip-line type activities.

Rock Climbing or spelunking

Unguided use of ATVs or Snowmobiles (other than for the transportation of guests, equipment or game from the site of the activity and the insured’s operational base)

Jet-skis, waver runners or other personal powered watercraft.

Boat tours that exceed 15 passenger guests

Survivor training experience including schools.

Accounts routinely operating watercraft outside designated, approved offshore distance limitations (4 miles)Hoverboard sales/service/lease/or rented

Aviation exposures

Mountain Biking in the state of OR only.