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Outfitters & Guides Insurance - RPG
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Phone 1-866-674-1234
Fax 1-866-352-1401
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To be eligible for this program:

The outfitters & guide program must be less than $750,000 and 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 three years equivalent experience to be
eligible. This programs minimum premium is $1,000.

Program Description

The Outfitters & Guides Risk Purchasing Group program has been designed to provide 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 in 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.
Liability Coverage & Limits
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 $2,000,000​cost value
​-​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) - Procession 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 practices
​-​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