Outfitters & Guides Insurance (RPG Program)
General Liability and Equipment & Contents coverage built for outdoor outfitters and professional guides. Review eligible activities, coverage limits, notable exclusions, and underwriting requirements—then request a quote.
Program Description
The Outfitters & Guides Risk Purchasing Group program is designed to provide General Liability and Equipment & Contents (inland marine) coverage for outdoor operations engaged in eligible activities listed below. Ideal for guide services, rental operations connected to your own tours, and camps with limited lodging revenue.
- GL per occurrence limits up to $3,000,000; general aggregate to $5,000,000.
- Equipment & Contents deductible: $250–$1,000 (varies by limits).
- Items must be insured to 100% replacement cost; no single item over $5,000 value.
- Medical payments: Excluded.
Eligible Activities
- Backpacking
- Bicycle Rental (non stand-alone)
- Bicycling Tours (guided, < 50 miles)
- Campgrounds (≤ 50% of total revenues)
- Camping
- Cross-country skiing (≤ 20% of total revenues)
- Eco tours
- Fishing (guided)
- Fishing (non-guided)
- Hiking (guided)
- Hunting (guided)
- Kayak/Canoe/Raft/Tube/Paddle & Surf Board Rental
- Livery, shuttle or transport services (for your own operations)
- Owned lodges/cabins (≤ 50% of total revenues)
- Paddlefit
- Paddling schools
- Paddling/Paddleboarding (incl. SUP)
- Retail Sales (≤ 80% of total revenues)
- Shoreline sailing (< 1 mile from shore and ≤ 10% of revenues)
- Skimboarding
- Snorkeling (≤ 10% of total revenues)
- Snowshoeing
- Surfing
- Windsurfing
- Operations on Class I, II, III rivers and flatwater (guided / non-guided)
Percent thresholds apply to the total revenues of your operation.
Incidental Activities Included
The following incidental exposures are included when connected to a covered activity:
- Retail sales of merchandise and equipment
- Participation in food/beverage services
- Athletic courts
- Participation in demo days, trade shows or events (only for a designated covered activity)
- Equipment rental for designated covered activities
- Office exposures for covered activities
- Motorized watercraft (< 250hp) used for a covered designated activity
- Camping
Snorkeling and shoreline sailing must be < 10% of total receipts.
Coverages & Limits
General Liability
| General Aggregate Limit | $5,000,000 |
|---|---|
| Personal & Advertising Injury | Included |
| Damage to Premises Rented to You | Included |
| Medical Payments | Excluded |
| Products–Completed Operations Aggregate | Included |
| Each Occurrence Limit | Up to $3,000,000 |
Equipment & Contents (Inland Marine)
| Deductible | $250–$1,000 (varies by limits) |
|---|---|
| Requirement | GL must be purchased with Equipment & Contents |
| Valuation | Insure 100% replacement cost value |
| Item Limit | No single item valued over $5,000 |
This summary is for marketing purposes only. Refer to policy forms and endorsements for complete terms, conditions, and exclusions.
Notable Exclusions
Key excluded activities and hazards
- Abuse & molestation
- Aircraft / hot air balloon; airport
- All skiing (except cross-country/telemark/snowshoeing)
- Amusement devices (rides/slides/moonwalks/bungee, etc.)
- Any water activities conducted > 1 mile from shore
- Archery / skeet / trap / pistol ranges
- Asbestos
- ATV
- Bouldering
- Bungee
- Canyoneering
- Class IV and V whitewater rivers
- Climbing/rappelling man-made structures; climbing walls
- Employment practices
- E-Foils
- Equine / saddle animals
- Fireworks
- Fungus
- Ice climbing
- Indoor rock climbing gyms
- Injury or death to animals
- Land sailing / sand yachting
- Motorized vehicles
- Mountaineering (incl. mountain biking and rock/ice climbing)
- Professional liability
- Public storage operations
- Ropes / challenge courses
- Sailboat racing and stunting
- Securities and financial interest
- Snow sled (except emergency rescue use by staff)
- Snowmobiles (operation, loading/unloading, etc.)
- Special events sponsored by the insured
- Sponsorship of races (incl. adventure races, Mud Runs, Tough Mudder)
- Stand-alone bicycle rental
- Stand-alone pontoon/boat rental
- Stand-alone ski equipment rental
- Watercraft/powerboats when testing, stunting, racing, practicing
- Zip lines
Preliminary Underwriting Information Required
Provide the following 10 business days before the desired effective date:
- Completed and signed enrollment form
- Full premium payment (check or credit/debit card)
- Certificates of insurance as required on the enrollment form
Frequently Asked Questions
Do you cover Class IV or V whitewater?
No. The program is limited to Class I–III rivers and flatwater (guided or non-guided).
Is Medical Payments included?
Medical Payments are excluded under this program.
Can I buy Equipment & Contents without General Liability?
No. Equipment & Contents must be purchased in conjunction with General Liability.
How should I value my gear?
All scheduled items must be insured to 100% replacement cost; no single item may exceed $5,000 in value.
Are snorkeling and shoreline sailing eligible?
Yes, when they account for less than 10% of total receipts and shoreline sailing remains within 1 mile from shore.
Answers above summarize key terms and are subject to policy language and underwriting guidelines.
Request a Quote
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