Outfitters and guides

Underwriting appetite
  • North American big game guides/outfitters
  • Pack trip outfitters
  • Upland bird and waterfowl hunting guides
  • Freshwater and saltwater fishing guides (inland and coastal waters)
  • Float trip outfitters
  • Guided canoe and kayak tours
  • Backpacking/wilderness camping
  • Nature and wildlife tours and photography
Ineligible classes
  • Equipment rentals without guides or primarily unguided operations
  • No coverage for high risk activities such as rock climbing, white water rafting, down hill skiing, ATV/snowmobile tours, snowboarding
  • Rivers no higher than Class III
  • Blue water/deep sea fishing ventures
  • No risks in Alaska or Hawaii
Program coverage features
  • Commercial package policy
    • Guest lodging in personal dwelling
    • Inland marine coverage for insureds' and customers' personal property and equipment
    • Equipment breakdown
    • Pro guide plus broadened enhancement form
      • Includes coverages such as: business income including extra expense, business personal property, property in transit, spoilage, personal effects of others, processors coverage, employee dishonesty and emergency vacating expense
    • Monoline liability
      • Aggregate is 3 times the occurrence limit. Approved memberships are eligible for 5 times the occurrence limit
    • Commercial auto
    • Commercial excess/umbrella liability
      • Limits up to $15 million