Guides & outfitters insurance
Protecting your outdoor business
Running an outdoor adventure business in Montana is an exciting and rewarding experience. Whether you’re guiding fishing expeditions, leading hiking tours, or operating a hunting lodge, your clients trust you to keep them safe while they enjoy the great outdoors. But even the most experienced guides and outfitters know that accidents can happen—and that’s why having the right insurance is crucial.
At Cogswell Insurance Agency, we specialize in guides and outfitters insurance to ensure your business is covered against unexpected incidents, liability claims, and property damage.
Why do you need guides & outfitters insurance?
Guiding clients through rugged terrain, unpredictable waters, or remote hunting areas comes with unique risks. A single accident, lawsuit, or equipment loss can threaten your business. Here’s why proper coverage is essential:
- Adventure Risks: Clients may get injured during hikes, hunts, or water sports.
- Water & Equipment Damage: Boats, ATVs, and gear are exposed to harsh conditions.
- Liability Claims: Clients may hold you responsible for injuries or accidents.
What does guides & outfitters insurance cover?
Insurance policies should be customized to meet the specific risks of your business. Here are key coverage options:
- General Liability: Protects against third-party injuries and property damage claims.
- Commercial Auto Insurance: Covers vehicles used to transport clients or equipment.
- Property Insurance: Protects your buildings, lodges, boats, and rental gear.
- Professional Liability: Provides coverage for claims of improper guidance or instruction.
- Accident Medical Coverage: Helps cover medical bills for client injuries.
- Workers’ Compensation: Covers employees if they are injured on the job.
What does guides & outfitters insurance cover?
Client injury
A client sprains an ankle on a guided hike and requires medical care.
Boat damage
Your charter boat is damaged in a storm and needs costly repairs.
Equipment loss
Expensive gear is stolen or lost on an expedition.
How much does guides & outfitters insurance cost?
The cost of insurance depends on factors like the services you offer, the size of your operation, and your location. Below are typical annual costs:
| Coverage Type | Estimated Annual Cost |
|---|---|
| General Liability | $500 – $2,500 |
| Commercial Auto | $1,000 – $3,000 |
| Property Insurance | $750 – $5,000 |
| Workers’ Compensation | Varies based on payroll |
Protect your business today
As a guide or outfitter, you dedicate your life to helping others experience the outdoors. But without the right insurance, a single accident or lawsuit could put your business at risk. With guides and outfitters insurance, you can focus on what you do best—creating unforgettable outdoor adventures. Call us at 406-761-5000 or request a free quote online today!
Looking for a different personal insurance solution? View all Personal Insurance solutions we offer.
Ready for the next step? Call us at (406) 761-5000 or