Skip navigation links
About Us
Contact Us
Select a Category
All Programs
Health & Fitness
Events & Attractions
Outfitters & Guides
Concessionaires, Exhibitors & Vendors
Products Liability
Franchised Dealerships
D&O with EPLI
Campground, Resort and Guest Ranch
Fraternal Orders
Boy Scouts Rental Groups
GrouProtector Accident Medical
Link to K&K Canada
Outfitters & Guides-RPG
E-mail this page | Print this page
1-800-237 -2917 
Ask us a Question/E-mail


NOW AVAILABLE - Buy Coverage On-line!  Liability limits of $1,000,000 to $3,000,000 (per occurrence) are available online.


Note: To be eligible for this program:

The outfitter & guide gross receipts must be less than $750,000, retail cannot exceed 80% of the total receipts, and owned lodging/cabins cannot exceed 50% of total receipts. The client must have been in business for at least one year or have three years equivalent experience to be eligible. This programs minimum premium is $1,000. 

If not eligible for this particular program, check out our more complex Outfitters & Guides  Program or contact K&K at 1-800-440-5580 to speak with an underwriter.

Program Description

The Outfitters & Guides Risk Purchasing Group program has been designed to provide general liability and inland marine coverage for outfitters having any of the following combination of activities:

- Water Operations: Class I, II, III Flatwater, Sea Kayaking - Surfing
  (guided) - Paddleboarding
- Fishing (guided)  - Hunting (guided)
- Paddling Schools  - Hiking
- Non-motorized Watercraft / Tube Rental-Only Operations - Backpacking
  (non-guided)  - Bicycling
- Cross-country Skiing
- Snowshoeing
- Owned lodges/cabins
- Also covered are the following Incidental activities: Retail sales of merchandise and equipment; participation for food/beverage
services; athletic courts; participation in demonstration days, trade shows or events, but only for an activity designated as a
covered activity; equipment rental for activities designated as a covered activity; office exposures for covered activities,
motorized watercraft (less than 250hp) for one of these covered designated activities, and camping. 
  Snorkeling and shoreline sailing must be less than 10% of total receipts.
Coverages Available:

General Liability

Equipment & Contents

- General Aggregate Limit up to $ 3,000,000     - $250-$1,000 deductible (depends on limits) 
- Personal & Advertising Injury $ 1,000,000     - General Liability coverage must be purchased in
- Fire Damage Limit $ 300,000   conjunction with the Equipment & Contents
- Medical Payments EXCLUDED     - All items must be insured to 100% replacement
- Products-Completed Operations Aggregate Limit cost value
$ 2,000,000
- Each Occurrence Limit up to $3,000,000
Notable Exclusions
- Class IV, V whitewater exposures
- Equine activities
- Mountaineering, bouldering, rock climbing - Climbing walls, indoor rock climbing gyms
- Sponsorship of races including but not limited to - Special events sponsored by the insured
adventure races - Archery/skeet/trap/pistol ranges
- Nuclear energy - All skiing (except cross-country/telemark/snowshoeing)
- Coverage territory-trade sanctions - Asbestos
- Fireworks - Field of entertainment
- Securities & financial interest - Abuse & molestation
- Employment practices - Amendment of other insurance clause
- Amusement device - Bungee
- Injury or death to animals - Rodeo performers
- Ropes/challenge courses - Stand-alone ski equipment and bicycle rental stores
- Aircraft/hot air balloons - Airport
- Motorized vehicles - Public storage operations
- Watercraft/ powerboats when testing, stunting, racing, or - Sailboat racing and stunting
  practicing - Fungus
- Snow sleds/snowmobiles - Lead paint
- Professional liability for skills assessment and certification - War
of students    

Preliminary Underwriting Information Required

The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form - Certificates of insurance as per requirements on the
- Full premium payment by check or credit/debit card   enrollment form