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Insurance for Outfitters and Guides


As an outfitter, guide, or instructor, you know all about the obvious inherent risks and dangers of operating in the outdoors. However, even if you, your employees, and/or your clients are careful and do all that you can to avoid risk, that doesn’t mean that you’re safe from a lawsuit. Leading an adventurous lifestyle can lead to accidents at any time, anywhere and this could result in financial loss or loss of assets.

You’re their guide, so who is yours? With XINSURANCE, you will have the customized coverage you need through our all-in-one approach with direct access to underwriting, risk management, and claims management. By reviewing your operations and experience level, we create a policy made to fit the needs of your business, not a cookie cutter approach where you have to fit in with everybody else.

insurance for outfitters and guides

Risk Classes Insured:

  • ATVs and UTVs
  • Bicycle Activities
  • Camping, Hiking, & Climbing
  • Guest Ranches and Horse Activities
  • Guided Activities
  • Hunting & Fishing Pack Trips
  • River Operations (kayaking, whitewater rafting, etc.)
  • Ropes or Zip Line Courses
  • Water Sports (Jet Skis, Boats, etc.)
  • Winter Activities (skiing, snowmobiling, etc.)
  • Youth At Risk
  • And MANY more…


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.

Know the Facts

insurance for outfitters and guides

Injuries that result from hiking are incurred by 6.3% of all persons injured while performing outdoor recreational activities – hiking is the 3rd most common cause of injuries related to outdoor activities. Source

insurance for outfitters and guides

In 2015 alone, the CPSC estimates that nearly 98,000 people received emergency room treatment for ATV-related injuries.

insurance for outfitters and guides

58% of climbing victims were roped climbing, 12% were involved in a belaying incident, 43% were stranded or lost, 4.5% were in a rockfall incident. Source


XINSURANCE, Powered by Evolution Insurance Brokers, is a proud member of America Outdoors.

America Outdoors xinsurance member

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