Guide & Outfitters Liability Insurance

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.

Smartwaiver app showing on an iphone
Smartwaiver logo

Digital Waivers are now built into your guide & outfitter insurance!

You will now receive access to Smartwaiver’s fully digital waiver service as part of your policy thanks to their partnership with Cross Current Insurance. Clients can sign your waiver on and off the grid, wherever you guide!

Learn more about our Smartwaiver partnership.

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.

  • 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 Avatar Bamannfishing
    May 14, 2026

    over 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 Avatar Rob Rule
    May 12, 2026

    The crew at Cross Current are the best! Quick to respond and provide a great product for my insurance needs.

    Zeke Sieglaff Avatar 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 Avatar Joshua Whorton
    February 13, 2026

    Every year, insurance has been a difficult issue with my guiding. Cross Current made is easy, fast and reasonably priced.

    ekimstir Avatar ekimstir
    January 13, 2026

    Nathaniel, 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 Avatar 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 Avatar Judson Cole
    July 29, 2025

    Was 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 Avatar Sandy Moret
    July 23, 2025

    Cross Current gave very fast service and provided a reasonable price for insurance.

    Dan Hall Avatar 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 Avatar James Bergan
    May 15, 2025

    Have 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 Avatar Brian Afflixio
    March 27, 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
  • 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 12, 2025

    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

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

    Christopher Marino Avatar Christopher Marino
    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

    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

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

    Don Mutert Avatar Don Mutert
    February 7, 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
  • Crosscurrent, especially its agent Augusto Russell has provided excellent service to my company.

    Alan Gnann Avatar Alan Gnann
    February 7, 2025

    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

    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

    media thumbnail 0
    Jeff Perin Avatar 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 Avatar Susan Gaetz
    February 4, 2025

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

    Chris Marino Avatar Chris Marino
    February 3, 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 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 Avatar Rodney Lane
    February 1, 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 1, 2025

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

    Don Mutert Avatar Don Mutert
    February 1, 2025

Guide & Outfitter Activity List

  • Fishing
  • Hunting
  • Shooting Range – Rifle or Pistol
  • Hiking / Backpacking
  • Horseback Riding
  • Hay, Sleigh or Wagon Rides
  • Lodging / Cabin Rentals
  • Bike Rentals
  • Mountain Bike Riding
  • Road Cycling
  • Boating
  • River Tubing
  • Sea Kayak Tours / Rentals
  • Whitewater Rafting
  • Cross Country Skiing
  • Downhill Skiing
  • Dogsled Tours
  • Snowshoeing
  • ATV Tours
  • Snowmobiles Tours
  • Youth Camps or Programs

Association Partnerships

AFFTA Logo

NYSOGA logo

Insurance Coverage

  • Property
  • General Liability
  • Workers’ Compensation
  • Gear & Equipment
  • Auto
  • Umbrella
  • Bonds
  • Aviation
  • Inland Marine
  • Trip Cancellation
  • Charter Boat
  • Life Insurance
  • Health Insurance

Other 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

Bush plane landing in a lake in Alaska

Aviation

Property & Casualty
Employee Benefits

Got questions?

We’ve got answers. Use our contact form or our live chat!

Got questions?

We’ve got answers. Use our contact form or our live chat!

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