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Outfitters & Guides
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Phone  
1-800-440-5580
Fax  
1-260-459-5810
Claims  
1-800-237-2917
 
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  *NEW PROGRAM: We now offer a Risk Purchasing Group Program for outfitter & guide operations meeting the following guidelines:
  
  • Engaged in select activities
  • Have gross receipts less than $750,000
  • In business for at least one year or 3 years equivalent experience

The RPG General Liability minimum premium is $1,000. Inland Marine coverage is available with a minimum premium of $300.

Outfitters and Guides that qualify for the RPG program are now able to quote and buy coverage online via our ecommerce website.

To determine eligibility, check out the Outfitters & Guides- Risk Purchasing Group Program or contact K&K  at 1-800-440-5580 to speak with an underwriter.

Eligible Operations (for non-RPG programs)
 
- Adventure/challenge ropes course facilitators - Mountain biking
- Canoeing/kayaking - Mountaineering
- Hunting & fishing - Rafting
- Indoor climbing gyms/centers  - Sailing
- Surfing
       
Ineligible for this program:    
- Adventure races - Mud runs
- Animal auctions - Petting zoo
-

Animal breeding/boarding

- Retail only operations
- ATV rentals - Rodeos
- Dog sledding - Snowmobile rental
- Downhill/powder skiing - Stand-alone equine operations
- Destination resorts - Stand-alone portable climbing walls and bicycle rentals
- Dude ranches - Steeplechase
 
Coverages Available & Program Highlights
 
General Liability Excess Liability
     
Commercial Auto    Event Cancellation & Non-appearance
 
Common Associated Exposures
 
- Camping - Equipment rentals
- Food & beverage concessions - Hiking
- Instruction - Lodges
- Restaurants - Retail sales
- Swimming    
       
Key Underwriting/Qualifying Factors (Including but not limited to)
 
- Management must have at least three years management experience in the industry
General liability minimum premium:    
$2,500 for mountaineering and ropes courses
$1,500 for water activities    
       
Preliminary Underwriting Information Required
       
- K&K Applications - ACORD applications for other requested coverages
- Three years of company loss runs - Copy of waiver & release forms
- Facility brochure or web site address (if available) - Copy of facility rental contract
- Four years of premiums - Ropes course inspection