Outfitters and Guides Insurance

Outfitters & Guides

E-mail this page | Print this page
Ask us a Question/E-mail

  We offer a Risk Purchasing Group Program for outfitter & guide operations meeting the following guidelines:
  • Engaged in select activities
  • Have gross receipts less than $750,000
  • In business for at least one year or 3 years equivalent experience

The RPG General Liability minimum premium is $1,000. Inland Marine coverage is available with a minimum premium of $300.

Outfitters and Guides that qualify for the RPG program are now able to quote and buy coverage online via our ecommerce website.

To determine eligibility, check out the Outfitters & Guides- Risk Purchasing Group Program or contact K&K  at 1-800-440-5580 to speak with an underwriter.


Eligible Operations (for non-RPG programs)
- Adventure/challenge ropes course facilitators - Mountain biking
- Canoeing/kayaking - Mountaineering
- Hunting & fishing - Rafting
- Indoor climbing gyms/centers  - Sailing
- Surfing
Ineligible for this program:    
- Adventure races - Petting zoo
- Animal auctions - Retail only operations
- Animal breeding/boarding - Rodeos
-​ATV rentals​-​Snowmobile rental
- Dog sledding - Stand-alone cross country/backcountry skiing
- Downhill/powder skiing - Stand-alone equine operations
- Destination resorts - Stand-alone portable climbing walls and bicycle rentals
- Dude ranches - Steeplechase
- Mud runs
Coverages Available & Program Highlights
General Liability Excess Liability
Commercial Auto    Event Cancellation & Non-appearance
Common Associated Exposures
- Camping - Equipment rentals
- Food & beverage concessions - Hiking
- Instruction - Lodges
- Restaurants - Retail sales
- Swimming    
Key Underwriting/Qualifying Factors (Including but not limited to)
- Management must have at least three years management experience in the industry
General liability minimum premium:    
​$1,500 for All activities (except for those listed below)
$2,000 for New Ventures in business less than one year
$2,500 for Mountaineering, Ropes and Challenge Courses    
$5,000 for Equine exposures
Preliminary Underwriting Information Required
- K&K Applications - ACORD applications for other requested coverages
- Five years of company loss runs - Copy of waiver & release forms
- Facility brochure or web site address (if available) - Copy of facility rental contract
- Four years of premiums - Ropes course inspection