Choose Your Guide Activity & Apply Today
Protect your outdoor business with comprehensive liability coverage designed specifically for professional guides and outfitters.
At Cross Current Insurance, we understand that even the most experienced experts face risks in the field. That’s why we’ve expanded our Guide and Outfitter Insurance Program to provide industry-leading protection for a wider range of outdoor adventures. Whether you operate on water or land, our policies provide coverage across all 50 States and US Territories.
Our custom program offers incredible annual rates for guides starting at $395.00.
Comprehensive Coverage for Every Outdoor Professional
While we remain a leader in fishing and hunting guide insurance, we now offer specialized liability policies for:
- Guides for Hiking, Backpacking and Nature Trips
- Canoe, Kayak, and Float Trip Guides
- Specialty Guides including: Birding, Nature Photography, and Scenic Walking Tours
- Outdoor Education including Casting Instructors, Guided Foraging, Plant Identification and Basic Survival Training (in an educational environment only)
Don’t see your specific niche? We provide custom insurance solutions for almost any type of outdoor guiding.
Why Choose Cross Current for Your Outfitter Insurance?
As a guide, your livelihood depends on your reputation and your ability to manage risk. Our commercial general liability insurance ensures that an accidental injury or property damage claim doesn’t end your career.
- Fast Online Quotes: Apply in minutes with our streamlined application.
- National Coverage: We cover operations in all 50 states and US territories.
- Specialized Expertise: We know the outdoor industry because we live it.
Secure your business today. Join the thousands of guides nationwide who trust Cross Current to protect their passion.
Questions?
Let us know how we can help and a member of our team will get back to you as soon as we can. You can also user our online chat tool during business hours.
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As a first year guide with a new boat, Cross Current was very helpful in getting me set up with insurance. Insurance companies are wary of first year guides,... read more but this was not a significant issue with Cross Current. These listen to how I was going to run my guide business and wrote a policy that fit my business. Their rep, Angela Ziogas, was outstanding, and always with timely follow-up. I recommend them.
Rodney Lane
February 7, 2025I met Rollin at the Denver Fly Show in January of 2020 and have used his services ever since! The whole Cross Current team is extremely professional and wonderful to... read more work with. Highly recommend them!
KynsLee Scott
February 28, 2024Very helpful insurance offerings for our Guide service. Also helps they are friendly, responsive, and easy to work with. Highly recommend it if you are in the Guiding business and... read more need a comprehensive insurance provider!
Brandon Hill
January 28, 2025 -
Cross Current understands how to insure the outdoor industry and their customer service is fantastic. Our nonprofit has four policies with CC and their team is always willing to explain... read more coverage options and help me better understand the process.
Susan Gaetz
February 7, 2025Crosscurrent, especially its agent Augusto Russell has provided excellent service to my company.
Alan Gnann
February 7, 2025I'm an Alaskan fishing guide and this was the most simple insurance experience I have ever had. Angela Z, is beyond great. I spoke on the phone with her and... read more she made me feel like we have known each other for years and got me my policy right away. Definitely recommend! Thanks Angela!
Gabe Kintzley
March 28, 2024 -
Jessica and AJ were very helpful in finding the right coverage for my fishing guide business.
Christopher Marino
February 7, 2025Rollin, Augusto and company are trusted professionals that walk the walk and how exactly how to take care of clients big and small. I couldn’t be more please with both... read more my guide insurance and lodge insurance. Highly recommend.
Kyle Schaefer
February 7, 2025We get our important guide insurance policy through Cross Current, and between good service and good rates, they were also able to insure my boats and trailers on my policy... read more which is a service others didn't offer. I look forward to many years of good relations with Cross Current.
Jeff Perin
February 7, 2025 -
Cross Current Insurance and their staff have been great to work with. Angela the guide program manager, has gone above and beyond answering questions and worked overtime to get my... read more Fly Fishing Guiding policy dialed in. They treat you like friends and family, and I appreciate that!
Matt McCourtney
February 28, 2024Working with cross current has been a great experience. They understand my industry and are always available when I need them. I highly recommend!
Andrew Laird
February 7, 2025Best in the Biz
Aaron Chine
February 28, 2024 -
Cross Current is so easy and great to work with. They have excellent customer service and good rates. I would highly recommend them!
Kaitlyn Mangis
February 14, 2025After my previous carrier started raising rates, I did some shopping and found cross current. Great experience with them so far in providing me with general liability for my guiding... read more business. Easy to work with and great prices.
Natalie Vaz
February 7, 2025Love these guys! Professional, fast and always on it!
Don Mutert
February 7, 2025 -
Cross Current has been my boat insurer for the past 4 years. I first went to them as they were focused on the boating fishing angler or guide. ... read more I was pleasantly surprised when my policy came in somewhat less expensive than the one I had previously, and yes I kept the same level of coverage! Last year, I was rear ended on the highway while pulling my boat. Although I did not need to make a claim against my insurer as the accident was not my fault they were there to offer guidance on how to work with the other insurance company. Their input provided me with the know how to properly address the other company and get resolution fast and correctly. I'd highly recommend Cross Current to any boater or fishing guide. The owners and employees all fish and boat themselves. They go the extra mile!
Ross Kessler
February 7, 2025Excellent and Prompt Customer Service from Friendly Folks. I would Highly recommend them to any outfitters or other relevant party in the business.
Joseph Cauvel
February 28, 2024Highly recommend - zero hassle - helpful and prompt team - they can cover your base liability for your operation, and ALSO cover boats, trailers, and other gear. 6/5
Taylor Hess
January 28, 2025 -
This company was amazing and so accommodating with getting insurance for a woman's event run by a non-profit organization. Jessica Forbes and AJ Maielli worked tirelessly to get coverage.... read more I highly recommend them. They are responsive, kind and professional.
Wendy Conway
September 28, 2024HIGHLY RECOMMEND. I tried reaching out to Harmon insurance local to me and had a very unpleasant experience and decided to take my business elsewhere. After finding cross current insurance... read more online from simple research, I reached out to them and Angela has been absolutely wonderful. I’ve just become a guide for fishing and really needed liability insurance in a very short amount of time. She did not waste a single second to get me taken care of with everything I need. Thank you so much for all your help Angela!!
AJR Outdoors
February 28, 2024
Guide & Outfitter Activity List
- Guided Fishing
- Hunting
- Shooting Range – Rifle or Pistol
- Hiking / Backpacking
- Horseback Riding
- Hay, Sleigh or Wagon Rides
- Lodging / Cabin Rentals
- Retail Store
- Bike Rentals
- Mountain Bike Riding
- Road Cycling
- Boating
- Jet Skis or Wave Runners
- River Tubing
- Sea Kayak Tours / Rentals
- Waterskiing
- Whitewater Rafting
- SCUBA Diving
- Cross Country Skiing
- Dog Sled Tours
- Downhill Skiing
- Snowshoeing
- ATV – Guided
- ATV – Unguided
- Snowmobiles – Guided
- Snowmobiles – Unguided
- Climbing Wall
- Rock Climbing
- Paintball
- Youth Camps or Programs
Insurance Coverage
- Property
- General Liability
- Workers’ Compensation
- Auto
- Umbrella
- Bonds
- Trip Cancellation
- Charter Boat
- Life Insurance
Limits
- $1,000,000
Each Occurrence Limit - $1,000,000
Personal and Advertising Injury Limit (Any One Person or Organization)
- $2,000,000
General Aggregate Limit (Other than Products – Completed Operations) - $2,000,000 Products/Completed Operations Aggregate Limit
- $100,000
Damaged to Rented Premises (Any One Premises) - $5,000
Medical Expense Limit – Any One Person
Other Adventure Businesses We Insure

Manufacturers & Distributors
Property & Casualty
Employee Benefits

Lodges & Resorts
Property & Casualty
Employee Benefits

Associations & Outdoor Advocacy Groups
Property & Casualty
Employee Benefits
Member Affinity Plans

Retailers & E-Commerce
Property & Casualty
Employee Benefits

Outdoor Enthusiasts & Stakeholders
Property & Casualty
Employee Benefits
Individual Insurance
Got questions? We’ve got answers.




