Outfitters and Guides Liability Insurance
Protecting Your Outdoor Business With MBA Insurance Services’ Outfitters and Guides Liability Insurance
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Get the Outfitters and Guides Liability Insurance You Need
Operating an outdoor adventure business is rewarding, but it’s also full of risk. Whether you’re leading backcountry hikes, organizing canoe trips, guiding hunts, or running zip line tours, your clients count on you for a safe and memorable experience. But even with the best planning, accidents can happen. That’s where outfitters’ and guides’ liability insurance comes in.
At MBA Insurance Services, we specialize in working with outdoor professionals across Minnesota, Wisconsin, and beyond. We provide custom-tailored outfitters and guides liability insurance designed to protect your livelihood, reputation, and financial future.
Why Outfitters and Guides' Liability Insurance Matters
As a professional guide or outfitter, you’re exposed to a unique set of risks that traditional business insurance may not cover. Clients rely on your expertise in sometimes unpredictable environments—open water, wilderness trails, rugged terrain, or remote areas where medical help isn’t immediately available.
Without the proper outfitters and guides liability insurance, a single mishap could lead to expensive lawsuits or even the end of your business. MBA Insurance Services helps outdoor business owners safeguard against these risks with policies that are built specifically for your industry.
What Does Outfitters and Guides Liability Insurance Cover?
Every operation is different, but a typical outfitter’s and guide’s liability insurance policy may include the following types of coverage:
General Liability
This covers bodily injury and property damage that occurs during your operations. For example, if a client is injured during a guided hike, general liability helps cover medical costs and legal defense.
Professional Liability (Errors and Omissions)
If a client alleges that your negligence, misdirection, or poor instruction led to an injury or financial loss, this coverage protects you from legal claims stemming from your professional services.
Participant Accident Coverage
Provides limited medical coverage for injuries to paying participants, helping avoid litigation and demonstrating good faith in protecting your guests.
Property and Equipment Insurance
Covers business-owned gear such as kayaks, climbing equipment, GPS units, tents, vehicles, and more—both on-site and in transit.
Watercraft and Marine Coverage
If your business includes guided fishing trips, canoe tours, or kayak rentals, we can provide coverage for boats, trailers, and liability specific to water-based activities.
Commercial Auto
Essential if you transport clients or equipment using company-owned or employee-driven vehicles.
Inland Marine Coverage
Covers equipment while it’s being transported between sites, important for mobile operations or remote guiding services.
Who Needs Outfitters and Guides Liability Insurance?
We work with a wide variety of outdoor professionals and adventure tourism operators, including:
- Hunting and fishing guides
- Kayak, canoe, and rafting outfitters
- Hiking and backpacking tour leaders
- Rock climbing and zip line operators
- Wildlife photographers and birding guides
- Cross-country skiing and snowshoe tour leaders
- Horseback trail riding businesses
- Outdoor education and survival skills instructors
No matter your niche, we’ll help you create a policy that meets the real demands of your work.
The MBA Insurance Services Difference: Experience in Outdoor Coverage
With deep roots in the Midwest and a passion for supporting local businesses, MBA Insurance Services is proud to be one of the few agencies in the region that understands the complexities of outfitters’ and guides’ liability insurance.
We don’t just plug your business into a standard plan. Instead, we:
- Learn about your operations and clientele
- Review your exposures based on location and activity type
- Offer access to specialized insurance markets
- Ensure compliance with state and federal regulations (e.g., land use permits, waivers, insurance minimums)
- Provide guidance on risk management practices to help avoid claims
Risk Management and Waiver Support
While having outfitters and guides’ liability insurance is critical, preventing accidents in the first place is just as important. That’s why we also offer resources for:
- Designing enforceable liability waivers
- Implementing participant screening protocols
- Employee and guide training programs
- Emergency response planning
When you partner with MBA Insurance Services, you get more than a policy; you get proactive support to help your business succeed long-term.
Serving the Outdoor Community Across Minnesota and Wisconsin
From the shores of Lake Superior to the backwoods of western Wisconsin, we’re proud to serve the guides and outfitters who power the region’s outdoor economy. With offices in Red Wing, Lake City, Lutsen, and Ellsworth, we offer truly local service and are always here when you need us.
We understand the seasonal nature of your business and can help you:
- Adjust coverage during the off-season
- Expand coverage during peak months or special events
- Coordinate with landowners or parks for proof of insurance
Request a Quote for Outfitters and Guides Liability Insurance
You’ve worked hard to build your outdoor business; don’t leave it exposed to risk. Let MBA Insurance Services help you protect what matters most with comprehensive, customized outfitters and guides liability insurance.
Call 651-388-7128, visit one of our four convenient local offices, or request a quote online. We’re ready to help you keep adventuring with confidence.