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


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:

- Backpacking - Paddleboarding
- Bicycling Tours (less than 50 miles) - Paddlefit
- Camping/Owned Campgrounds - Paddling schools
- Cross-country skiing - Retail sales
- Eco Tours - Skimboarding
Fishing (guided) - Shoreline sailing
- Hiking (guided) - Snorkeling
- Hunting (guided) - Snowshoeing
- Kayak/Canoe rentals - Surfing
​-​Non-motorized watercraft/tube rental only​-​Water operations: Class i, ii, iii rivers, flatwater
operations (non-guided)​​sea kayaking & canoe (guided)
​-​Owned lodges/Cabins​-​Windsurfing
- 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
- Abuse & molestation - Motorized vehicles
- Aircraft/hot air balloon - Mountaineering, bouldering, rock climbing
- Airport - Nuclear energy
- All skiing (except cross-country/telemark/snowshoeing) - Professional liability for skills assessment and certification
- Amendment of other insurance clause of students
- Amusement device - Public storage operations
- Archery/skeet/trap/pistol ranges - Rodeo performers
- Asbestos - Ropes/challenge courses
- ATV - Sailboat racing and stunting
- Bungee - Securities & financial interest
- Class IV, V whitewater exposures - Snow sleds/snowmobiles
- Climbing walls, indoor rock climbing gyms - Special events sponsored by the insured
- Coverage territory-trade sanctions - Sponsorship of races including but not limited to adventure races
- Employment practices - Stand-alone bike rental
- Equine/saddle animals - Stand-alone pontoon/Boat rental
- Field of entertainment - Stand-alone ski equipment rental
- Fireworks - War
- Fungus - Watercraft/powerboats when testing, stunting, racing,
- Injury or death to animals or practicing
- Lead paint    

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