Guide & Outfitters Liability Insurance

fly fishing guide and his client

Fishing
Guides

Two kayaks on a lake

Paddle Sports

snow mobile guide

Motor Sports

Woman hiker on a mountain with deer

Other Outdoor Sports

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.

  • Love these guys! Professional, fast and always on it!

    Don Mutert Avatar Don Mutert
    February 7, 2025

    I 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

    KynsLee Scott Avatar KynsLee Scott
    February 28, 2024

    Jessica and AJ were very helpful in finding the right coverage for my fishing guide business.

    Christopher Marino Avatar Christopher Marino
    February 7, 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

    Wendy Conway Avatar Wendy Conway
    September 28, 2024

    After 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 Avatar Natalie Vaz
    February 7, 2025

    Rollin, 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 Avatar Kyle Schaefer
    February 7, 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 Avatar Kaitlyn Mangis
    February 14, 2025

    Highly 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 Avatar Taylor Hess
    January 28, 2025

    Working 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 Avatar Andrew Laird
    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

    Matt McCourtney Avatar Matt McCourtney
    February 28, 2024

    Best in the Biz

    Aaron Chine Avatar Aaron Chine
    February 28, 2024

    Crosscurrent, especially its agent Augusto Russell has provided excellent service to my company.

    Alan Gnann Avatar Alan Gnann
    February 7, 2025
  • I'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

    Gabe Kintzley Avatar Gabe Kintzley
    March 28, 2024

    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 Avatar Susan Gaetz
    February 7, 2025

    Very 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

    Brandon Hill Avatar Brandon Hill
    January 28, 2025
  • Excellent and Prompt Customer Service from Friendly Folks. I would Highly recommend them to any outfitters or other relevant party in the business.

    Joseph Cauvel Avatar Joseph Cauvel
    February 28, 2024

    We 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

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    Jeff Perin Avatar Jeff Perin
    February 7, 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 Avatar 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 Avatar Ross Kessler
    February 7, 2025

    HIGHLY 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

    AJR Outdoors Avatar 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 liability insurance

Manufacturers & Distributors

Property & Casualty
Employee Benefits

Property and casualty insurance for Fly Fishing Lodges and resorts

Lodges & Resorts

Property & Casualty
Employee Benefits

Property and casualty insurance for associations &and outdoor advocacy groups

Associations & Outdoor Advocacy Groups

Property & Casualty
Employee Benefits
Member Affinity Plans

Flyz shop and retail stores property and casualty insurance for hats, gear, pants, rods, reels

Retailers & E-Commerce

Property & Casualty
Employee Benefits

Outdoor enthusiasts brown fish catch

Outdoor Enthusiasts & Stakeholders

Property & Casualty
Employee Benefits
Individual Insurance

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