Insurance for Outfitters, Guides, & Guided Tours

Specialty insurance solutions tailored to your unique needs.
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With great adventure comes great risk. Make sure you or your business has coverage beyond what standard insurance can offer.

As an outfitter, guide, or guided tour operator, your business is built on providing thrilling and unforgettable experiences to your clients. However, it’s essential to be prepared for the unexpected challenges that may arise along the way. XINSURANCE offers custom insurance solutions designed specifically for businesses and individuals in the outdoor recreation industry.

The Importance of Insurance for Outfitters, Guides, and Tour Operators

Liability Insurance for Outfitters, Guides, and Tour Operators can provide protection against financial losses resulting from claims of injuries or damages caused to people or property. It can cover the costs associated with legal fees, settlements, or judgments that may arise from such claims up to policy limits. It is especially important for businesses and individuals engaged in activities where there is a higher risk of accidents or injuries, such as the outdoor recreation industry.

Whether it’s guiding hikes, wildlife safaris, or outdoor expeditions, operating outdoor activities comes with inherent risks. Accidents can occur regardless of the precautions, and as these risks can also cause severe financial losses, it’s essential to have liability insurance to help you mitigate those risks.

An all-in-one solution from XINSURANCE can include coverage for equipment rentals, professional liability, general liability, alleged assault and battery liability, alleged sexual abuse and molestation liability, and more.

Who We Can Help in the Outdoor Recreation Industry

  • Guides
  • Outfitters
  • Tour Operators
  • Outdoor Enthusiasts
  • ATVs & UTVs
  • Biking & Hiking
  • Rock Climbing
  • Camping
  • Hunting & Fishing
  • River Operations
  • Zip Line Courses
  • Water Sports
  • Winter Sports
  • And More!
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Insurance Coverage Options for Outfitters & Guides

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Equipment Coverage

Can provide physical damage protection for applicable equipment while it is being used, rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal you own, such as a service dog. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more for both personal and commercial use. Learn more.

*Available in most states

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Insurance for Outfitters, Guides, and Guided Tours

What does Outfitters and Guides Insurance cover?

The type of insurance coverage needed for you or your business will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want on your insurance policy.

That said, our Outfitters and Guides Insurance solutions typically cover general liability, professional liability, equipment coverage, alleged assault and battery liability, alleged sexual abuse and molestation liability, and more.

If participants sign a waiver or a release of liability, am I safe from lawsuits?

It depends since some states have specific liability laws. You should require participants to sign a waiver but you should also consult with an attorney regarding the waiver’s/release’s content and methods of collection to ensure that the waiver of liability is fully enforceable and provides the organization with the intended levels of protection.

Is liability insurance mandatory for outfitters, guides, and tour operators?

The requirement for liability insurance may vary depending on the jurisdiction and the specific activities being offered. However, many businesses choose to have liability insurance to protect their assets and minimize potential liabilities. It is advisable to check with local regulations and/or contact XINSURANCE to understand the specific requirements for your region.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We can also help those new to the industry and those with a claims history.

Simply put, we provide insurance solutions when others can’t or won’t. If you need help getting coverage, give us a call or request a quote!

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Liability Insurance for Outdoor Guides

Outdoor guides can have true peace of mind with customized liability insurance solutions from XINSURANCE. Covered guided activities include ATVs, kayaking, whitewater rafting, hiking, mountain climbing, jet skis, biking, and more!


XINSURANCE is a proud member of America Outdoors. The America Outdoors Association is the international trade association for the world’s finest adventure travel outfitters, tour companies, and outdoor educators and their suppliers.


WOGA The Worldwide Outfitter & Guides Association (“WOGA”) is a non-profit industry association of professional outfitters and guides that provides individual members with access to liability insurance through the association. Liability insurance can be difficult for industry professionals, especially small operators, to obtain. WOGA provides a solution for insurance needs.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service