Protect your outdoor guide 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.
Choose Your Guide Activity & Apply Today
Fishing Guides
Safeguard your fishing guide operation with liability insurance tailored to the realities of life on the water, with coverage starting at just $395. Whether you walk-and-wade or use a boat, we protect you from the risks that come with changing conditions and client activities of every trip. Spend more time guiding and less time worrying about potential setbacks.
Hunting Guides
Protect your hunting guide or outfitting business with liability insurance designed for the realities of the field, starting at just $595. Our quick and easy online application gets you covered in minutes so you can stay focused on your clients and the hunt. With specialized protection built for hunting professionals, you can operate confidently in even the most unpredictable conditions.
Canoe & Kayaking Guides
Whether operating on lakes, rivers, or coastal waters, guides face risks that require the right coverage. With Cross Current Insurance, you can focus on running smooth, well-managed trips for your clients, knowing we’ve got your back. Starting at just $595, you can protect your canoe or kayak guiding business with insurance tailored to the ever-changing conditions that come with being on the water.
Hiking, Backpacking & Nature Trip Guide Insurance
From changing weather and rugged terrain to varying participant experience levels, guiding comes with risks that require specialized coverage. starting at just $395, you can protect your hiking, backpacking, or nature guiding business with liability insurance built for the great outdoors. You focus should be on leading safe, well-managed experiences in any environment, not whether you and your business are protected.
Historical & Scenic Walking Tour Guide Insurance
Safeguard your walking tour business with liability insurance tailored for historical and scenic tour guides, with coverage starting at just $395. Designed for the realities of public-facing tours, this coverage helps protect against the risks that come with guiding in active environments. With the right protection in place, you can walk with confidence!
Outdoor Education Guide Insurance
Outdoor education programs create powerful learning experiences, but they also come with real responsibilities. When you are guiding participants through natural environments, unexpected situations can arise no matter how well prepared you are. Starting at just $395, the right liability insurance means you can focus on what you do best, teaching people to connect with and navigate the natural world, without putting your program or livelihood at risk.
Choose Your Guide Activity & Apply Today
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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This is our second year using cross current. We’ve been very happy with the service. They were able to get our guide insurance up and running quickly and at an... read more
Bamannfishing
May 14, 2026over the past 5 decades I have had to carry insurance through many companies of which many made me feel like a number. Then I started working with Cross Current... read more
Rob Rule
May 12, 2026The crew at Cross Current are the best! Quick to respond and provide a great product for my insurance needs.
Zeke Sieglaff
May 7, 2026 -
Augusto and AJ have been absolutely phenomenal. These fellas worked tirelessly to get our shop and guides insured, and made sure the parameters of insurance and timeframe for getting them... read more
Joshua Whorton
February 13, 2026Every year, insurance has been a difficult issue with my guiding. Cross Current made is easy, fast and reasonably priced.
ekimstir
January 13, 2026Nathaniel, was amazing we gave a remote off grid lodge in Alaska and he was able to get us insurance when many others had said no and he was able... read more
Derek Byers
September 18, 2025 -
Cross Current Insurance keeps my business moving forward! They’ve got all my insurance needs and questions taken care of. I highly recommend to all my outfitter buddies! Thank you... read more
Judson Cole
July 29, 2025Was having trouble finding reasonable coverage locally and called for help. Matty an AJ jumped on it and did a great job! Very easy to work with!
Sandy Moret
July 23, 2025Cross Current gave very fast service and provided a reasonable price for insurance.
Dan Hall
June 25, 2025 -
Nate is a pleasure to work with, he understands the business of Fishing Guides and the insurance requirements needed. We highly recommend him and Cross Current Insurance.
James Bergan
May 15, 2025Have used Cross Current for our Guided Hiking / Camping insurance. The team was professional and helpful in getting us set up and through the process. They have been easy... read more
Brian Afflixio
March 27, 2025Cross 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, 2025 -
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 12, 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
Jeff Perin
February 7, 2025Cross 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
Susan Gaetz
February 7, 2025 -
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
Kyle Schaefer
February 7, 2025As 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
Rodney Lane
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
Ross Kessler
February 7, 2025Love these guys! Professional, fast and always on it!
Don Mutert
February 7, 2025Working 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, 2025 -
Crosscurrent, especially its agent Augusto Russell has provided excellent service to my company.
Alan Gnann
February 7, 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
Natalie Vaz
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
Jeff Perin
February 4, 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
Susan Gaetz
February 4, 2025Jessica and AJ were very helpful in finding the right coverage for my fishing guide business.
Chris Marino
February 3, 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
Kyle Schaefer
February 1, 2025 -
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
Rodney Lane
February 1, 2025Cross 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
Ross Kessler
February 1, 2025Love these guys! Professional, fast and always on it!
Don Mutert
February 1, 2025
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.