Insurance for Outfitters and Guides

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 appear along the way. XINSURANCE offers custom insurance solutions designed specifically for individuals and businesses in the outdoor recreation industry.

The Importance of Insurance for Outfitters and Guides

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 result from such claims up to policy limits. It is especially important for individuals and businesses 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

Our insurance solutions for outdoor recreational activities are necessary for:

  • Guides
  • Outfitters
  • Tour Operators
  • Outdoor Enthusiasts
  • ATVs and UTVs
  • Biking and Hiking
  • Rock Climbing
  • Camping
  • Hunting and Fishing
  • River Operations
  • Zip Line Courses
  • Water Sports
  • Winter Sports
  • And More!
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Our Coverage Solutions for Outdoor Recreation Professionals

XINSURANCE offers insurance solutions with the following coverages:

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Commercial General Liability

Commercial general liability offers coverage for property damage and injuries for third parties.

Professional Liability

The professional liability insurance may cover claims of negligence or wrongful acts.

Equipment Coverage

Equipment coverage offers financial coverage in case malfunctions, accidents, or limited theft occurs while applicable equipment is stored, rented, used, or transported.

TRU Umbrella

The TRU Umbrella insurance may cover any exclusions or gaps in an existing policy.

Alleged Assault and Battery Liability

The alleged assault and battery liability offers coverage if you or an employee receives related claims.

Alleged Sexual Abuse and Molestation Liability

Alleged sexual abuse and molestation liability insurance may cover you and your employees.

Commercial Auto*

The auto liability insurance offers coverage for any personally owned or company-owned vehicle you primarily use for work purposes.

Active Shooter Liability

The active shooter liability insurance may offer coverage in case an active shooting takes place on your commercial property.

Animal Liability

The animal liability insurance offers coverage if any animals you own, such as a service dog, cause property damage or third-party bodily injury.

Communicable Disease Liability

We offer a policy enhancement with coverage for any exposure to Pathogens or Declared Pandemic diseases considered negligent.

Directors and Officers (D&O) Liability

The D&O liability insurance offers coverage in case a person is sued for their role as an organization’s officer or director.

Firearms Liability*

The firearm and concealed carry liability insurance offers protection for personal and commercial use.

*Available in most states

Personal Liability

The personal liability insurance offers coverage for claims against you in case an accident occurs.

Premises Liability

Premises liability insurance may cover falls, trips, and slips relating to negligence.

Property Coverage

The property insurance coverage may protect a building and contents from outdoor elements, theft, vandalism and 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

FAQs About Insurance for Outfitters, Guides, and Guided Tours

Want to learn more about outdoor guide insurance? Check out these common questions and answers:

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What does Outfitters and Guides Insurance cover?

XINSURANCE provides tailored coverage solutions suiting your needs. 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?

You should have all participants sign a waiver. Some states have specific liability laws, so you should work with an attorney to ensure the content is fully enforceable and protects your organization.

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!

Does XINSURANCE offer coverage solutions if you've had coverage rejected or dropped before?

XINSURANCE offers insurance solutions when others can’t or won’t. We can assist you, even if you have a history of being canceled, non-renewed, or declined. Additionally, we can help those with a history of claims or are new to the industry.

How do I get guides and outfitters coverage?

XINSURANCE provides a straightforward way to get guides and outfitters insurance. Follow these steps:

  1. Request a quote: Submit a quote request form online.
  2. Provide some details: Have a quick phone consultation to discuss your needs with an underwriter.
  3. Get your tailored estimate: Receive a personalized estimate with all your insurance needs under one policy.
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Request a Quote Today

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

Want to learn more about outfitters insurance? To get started, submit a contact form today! Our team can answer your questions and give you a quote.


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