Program Summary
The Outfitters & Guides program has been designed to provide general liability and inland marine coverage for outfitters having any of the following combination of activities:
| – | Backpacking | – | Livery, shuttle or transport services for your own operations |
| – | Bicycle Rental (non stand-alone) | – | Owned Lodges/Cabins (must be 50% or less of total revenues) |
| – | Bicycling Tours (guided, less than 50 miles) | – | Paddlefit |
| – | Campgrounds (must be 50% or less of total revenues) | – | Paddling schools |
| – | Camping | – | Paddling/Paddleboarding (includes stand-up paddleboarding) |
| – | Cross country skiing (must be 20% or less of total revenues) | – | Retail Sales (must be 80% or less of total revenues) |
| – | Eco Tours | – | Shoreline Sailing (less than 1 mile from shore and must be |
| – | Fishing (guided) | 10% or less of total revenues) | |
| – | Fishing (non-guided) | – | Skimboarding |
| - | Hiking | - | Snorkeling (must be 10% or less of total revenues) |
| - | Hunting (guided) | - | Snowshoeing |
| - | Kayak/Canoe/Raft/Tube/Paddle and Surf Board Rental | - | Surfing |
| | Operations – Class I, II, III rivers, flatwater (non-guided/guided) | - | Windsurfing |
| | | | |
Note:
– Also covered are the following Incidental activities: Retail sales of merchandise and equipment; participation for food/beverage
services; athletic courts; participation in demonstration days, trade shows or events, but only for an activity designated as a
covered activity; equipment rental for activities designated as a covered activity; office exposures for covered activities,
motorized watercraft (less than 250hp) for one of these covered designated activities, and camping.
Snorkeling and shoreline sailing must be less than 10% of total receipts.
Special note
This class of business is dynamic and our underwriters are willing to entertain the widest variations on this risk. If you do not see what you want, please call in and speak with one of our agents.
Typical Exclusions
| – | Abuse & molestation | – | Injury or death to animals |
| – | Aircraft/hot air balloon | – | Land sailing/sand yachting |
| – | Airport | – | Motorized vehicles |
| – | All skiing (except cross-country/telemark/snowshoeing) | – | Mountaineering (including mountain biking and rock/ice climbing) |
| – | Amusement device (arising out of the ownership, operation, | – | Professional liability |
| maintenance or use of any “amusement device”) For purposes | – | Public storage operations | |
| of this exclusion, “amusement device” means any device or | – | Ropes/challenge courses | |
| equipment a person rides for enjoyment, including, but not | – | Sailboat racing and stunting | |
| limited to, any mechanical or non-mechanical ride, slide, or | – | Securities and financial interest | |
| water slide including any ski or tow when used in connection | – | Snow sled (arising out of the ownership, operation, maintenance, | |
| with a water slide, moonwalk or moon bounce, bungee operation | use, loading or unloading of any equipment or device used for | ||
| or equipment. “Amusement device” does not include any video | snow sledding, including but not limited to, any inflatable tube, | ||
| arcade or computer games. | saucer, sled, toboggan or bobsled. This exclusion does not apply | ||
| – | Any water related activities conducted more than one mile | when such equipment or device is used by you, your employee or | |
| from shore | ski patrol to provide emergency rescue or first aid) | ||
| – | Archery/skeet/trap/pistol ranges | – | Snowmobiles (arising out of the ownership, operation, |
| – | Asbestos | maintenance, use, loading or unloading of any snowmobile) | |
| – | ATV | – | Special events sponsored by the insured |
| - | Bouldering | - | Sponsorship of races including but not limited to adventure |
| - | Bungee | | races (including but not limited to the participation in or |
| - | Canyoneering | | sponsoring of any Mud Runs or Tough Mudder Events) |
| - | Class IV and V whitewater rivers | - | Stand-alone bicycle rental |
| - | Climbing/rappelling man made structures | - | Stand-alone pontoon/boat rental |
| - | Climbing walls | - | Stand-alone ski equipment rental |
| - | Employment practices | - | Watercraft/powerboats when testing, stunting, racing or |
| – | Equine/saddle animals | practicing | |
| – | Fireworks | – | Zip Lines |
| - | Fungus | | |
| - | Ice climbing | | |
| - | Indoor rock climbing gyms | | |
Brochure Download
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