Guides and Outfitters Insurance

Guides and Outfitters Insurance

Complete insurance protection for Canadian wilderness guides and outfitters.

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Insurance for outdoor guides and outfitters

Nature and wilderness enthusiasts rely on professional outdoor guides and outfitters to provide them with the equipment and protection they need to enjoy the hunting, camping, hiking, and fishing experiences they relish year-round.

Outdoor tourism continues to grow nationwide – nearly seven in 10 Canadians participated in outdoor or wilderness activities, with hiking or backpacking (44%) and wildlife viewing and photography (32%) the most popular, says Statistics Canada. Moreover, sports and outdoor industry revenue is expected to be worth approximately US$2.23 billion by 2025.

In some provinces, such as Alberta, guides and outfitters are monitored by a governing body like the Alberta Professional Outfitters Society. Members are required to adhere to strict guidelines.

Regardless, outdoor activity insurance is must-have protection for these hardy professionals who deliver the memorable adventures their customers covet.

Guides and outfitters insurance is a customized policy designed to protect outdoor activity professionals from the liabilities they face, whether they offer weekend getaways or intensive multi-day excursions.

These professionals are responsible for protecting their customers in all weather conditions, from wildlife, and other potential hazards. A comprehensive guides and outfitters insurance policy is the essential coverage they need if something goes wrong.

A guides and outfitter insurance policy typically includes the following coverages:

  • Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL protects your business’s operations against third-party bodily injury or property damage claims whether on your premises or while on an outdoor trip, such as a slip and fall that injures one of your customers. For outfitters, CGL may include product liability insurance for any product or item you manufacture, distribute, or sell. If it isn’t included in your CGL coverage, you can add it as an endorsement. If you or your business are named in a lawsuit, CGL may cover your legal defence expenses and compensation awarded to a plaintiff.
  • Commercial Property Insurance: You need to protect your business’s office or shop (the building and attached structures) and your inventory and business contents (furniture, electronics, office equipment) if damaged or destroyed by fire, flood, extreme weather, or if vandalized or if your property is broken into and your possessions and equipment are stolen. Commercial property insurance exists for that reason. It may provide you with funds to repair or replace losses or damages you suffer.
  • Professional Liability Insurance: Vital coverage for outdoor guides, professional liability insurance, also called errors and omissions (E&O) insurance, covers you if facing allegations of negligence, misconduct, errors, and failing to deliver a service as promised. It includes media and advertising coverage if you’re sued for libel, defamation, or false advertising. Professional liability insurance may provide you with financial support if you’re sued or facing a financial loss due to a service you provided.
  • Inland Marine Insurance: Also known as tools and equipment insurance or heavy equipment insurance, inland marine coverage is usually purchased by cargo delivery organizations to safeguard the equipment and goods they transport by truck or train. For outdoor guides and outfitters, it’s worthwhile coverage to add to your policy if you provide expensive equipment to your customers to use while travelling to a specific destination. It can provide funds to repair or replace gear and equipment damaged by fire or floods, or if they’re lost, vandalized, or stolen.
  • Commercial Auto Insurance: If your business has vehicles that are used to transport people, materials, and equipment, you need a commercial auto policy. Most private-passenger car insurance policies do not provide coverage for any vehicle that’s used for business purposes.
  • Cyber Liability Insurance: You may specialize in providing unique, unforgettable outdoor adventures, but chances are you’re using technology to communicate with your customers, book reservations, and collect payments. That makes cyber liability insurance a critical component of your overall protection. Cyber liability insurance covers you for the cost of damages resulting from a data breach or cyber-attack. For example, if you suffer an email phishing attack that compromises your network and a cybercriminal steals your past and present customers’ financial and personal information, you could be held liable for their losses.
  • Event Liability Insurance: Hosting and organizing great outdoor adventures comes with great risks. Event liability insurance covers your third-party bodily injury and third-party property damage liabilities that may arise when leading clients on activities you manage like hiking, hunting, fishing, rafting, and others. It can cover an injured third party’s medical costs and pay to repair or replace their property if damaged due to your actions or the activities you organize.

Insurance providers determine what your policy will cost based on several factors, including:

  • Your business’s location and the services and products you provide
  • How many employees you have
  • The equipment you have and use on guided tours
  • Your annual and projected revenue
  • Your years of experience and training certifications
  • Your insurance claims history

Guides and outfitters insurance covers a wide range of professions and outdoor activities, including:

  • ATV tours
  • Backpacking and hiking
  • Camping
  • Canoeing
  • Fishing
  • Guest ranches and horse activities
  • Guided outdoor tours
  • Hunting
  • Instructors
  • Kayaking and whitewater rafting
  • Mountain biking and hiking
  • Outfitters
  • Rock climbing
  • Skiing and snowmobiling
  • Wilderness guides

Getting insured is quick and easy!

Complete our 5-minute online application for a free guides and outfitters insurance quote.

Common claims scenarios

customer on an ATV tour

Problem: One of your customers falls off an ATV that your business owns and suffers a broken arm.

Outcome: Your commercial general liability insurance may pay for your injured customer’s medical expenses.

lawyer speaking with client

Problem: A negative statement made about one of your competitors by a customer online is used in a direct mail advertisement you use. The competitor sues for defamation.

Outcome: Your professional liability insurance may pay for your legal defence and the compensation awarded to the plaintiff.

taxidermy on display at expo

Problem: While at a trade show promoting your business, your taxidermy trophies disappear from your exhibit booth overnight.

Outcome: Your commercial property insurance may pay for the loss of the trophies up to your policy’s limit.

Frequently asked questions

Why does an outdoor guide or outfitter need liability insurance?

Think of all the things that could possibly go wrong while out in the wilderness with your customers. Whether someone suffers an injury or experiences a medical emergency, if you are sued, the cost to defend yourself can run into thousands of dollars, even if the lawsuit has no merit.

Does Zensurance provide outdoor guides and outfitters with liability protection across Canada?

We can help professional outdoor guides and outfitters get the protection they need in all Canadian provinces except Quebec. We do not provide coverage for small businesses or independent professionals in the northern territories at this time.

How will I receive an outdoor guide and outfitters insurance policy after purchasing it from Zensurance?

Upon paying the premium for your policy, you will receive an email from us with a copy of your policy and a certificate of insurance to show your customers or business partners that verifies your coverage and its limits.

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Ready to start? Let’s get a quote!

Get the outdoor guides and outfitters insurance coverage you need and wow your customers confidently. Fill out an online application for a free insurance quote from Zensurance.

We’ll shop our partner network of more than 50 insurance providers to get the coverage you need at a price that’s wildly impressive.