Guides & Outfitters | Republic Insurance

Built for the people who put clients in the field.

Republic Insurance Group provides specialized insurance and risk management solutions for guides, outfitters, and outdoor recreation businesses—designed to protect landowners, guests, equipment, and reputation in high-exposure environments.

Coverage structured for land, guests, and weapons or water exposure
Experience with seasonal and remote operations
Claims advocacy when incidents are serious and time-sensitive

Outdoor businesses with real operational risk

We work with owner-operated and multi-guide operations, including:

Hunting guides and outfitters
Fishing guides (freshwater and saltwater)
Ranch hunting leases and private land outfitters
Upland bird, waterfowl, and big-game operations
Lodges, camps, and destination outfitters
Fly-in, drive-in, and remote-access operations
Combination agriculture + outfitting properties

If you host paying guests on land or water, your insurance must reflect duty of care, supervision, and environmental exposure.

Core Coverage Solutions

General Liability

Premises and operations liability
Guest injury and spectator exposure
Hunting, fishing, and outdoor activity risk
Landowner liability coordination

Guide & Outfitter Professional Liability

Allegations of negligence or improper supervision
Instruction, guiding, and decision-making exposure
Coverage aligned to activity type and terrain

Property & Lodge Coverage

Lodges, cabins, bunkhouses, and cook shacks
Contents, furnishings, and equipment
Fire, wind, and weather-related loss
Loss of income due to covered interruption

Commercial Auto & Off-Road Vehicles

Trucks, vans, and transport vehicles
ATVs, UTVs, and ranch vehicles
Hired and non-owned auto exposure

Watercraft Coverage (When Applicable)

Boats used for guided fishing or transport
Liability and physical damage
Operator and passenger exposure

Workers’ Compensation

Guides, cooks, wranglers, and support staff
Seasonal and part-time labor classification
Employer liability protection

Umbrella & Excess Liability

Added protection for severe injury claims
Often critical for hunting and firearm exposure

Specialty Coverages

Often critical depending on operation

Based on your activities, we may recommend:

Participant Accident Coverage – supplemental protection for guests
Firearms Liability Considerations – hunting-specific exposure
Abuse & Molestation Coverage – youth camps or family programs
Crime Coverage – theft of firearms, gear, or funds
Cyber Liability – bookings, waivers, and payment data
Inland Marine – mobile gear, tents, and equipment
Event Coverage – tournaments, competitions, and special hunts

Core Risks in Guiding & Outfitting

Guides and outfitters face inherent risk, including:

Guest injury during hunting, fishing, or travel
Firearms and archery exposure
Watercraft and water-related incidents
Vehicle and UTV accidents
Property damage to guest or landowner assets
Lodging and hospitality exposure
Employee and seasonal guide injuries
Weather, remoteness, and emergency response delays

Our role is to help you transfer risk without interfering with the experience you provide.

A field-tested approach to outfitter insurance

Outfitter insurance fails when advisors don’t understand what actually happens in the field.

Our approach:

1. Activity & terrain review
We assess how guests move, shoot, ride, fish, and travel.

2. Liability alignment
General liability, professional exposure, auto, and property structured together.

3. Risk management support
Guidance on waivers, guest orientation, and safety protocols.

4. Claims advocacy
Hands-on support when injuries or serious incidents occur.

What outfitters value most:

Advisors who understand outdoor operations
Coverage that responds in remote, high-risk settings
Clear guidance without disrupting the guest experience

Common outfitter profiles

Big-game and trophy hunting outfitters
Upland bird and waterfowl guides
Fishing guides and charter operations
Rafting & Kayak Guides
Ranch-based hunting leases
Lodge-based destination outfitters
Combination ag, ranch, and recreation operations
Seasonal and year-round guiding businesses

Frequently Asked Questions

1) Does general liability cover hunting accidents?
It can, but limits, exclusions, and endorsements matter greatly.

2) Are guests required to sign waivers?
Waivers help, but they do not replace proper insurance coverage.

3) Are guides considered employees or contractors?
Classification matters for workers’ comp and liability and must be reviewed carefully.

4) What about leased land or ranch partnerships?
Insurance must align with landowner agreements and indemnity language.

5) Is coverage available for remote or fly-in operations?
Often yes, but access and emergency response factors are underwritten closely.

6) How often should outfitter insurance be reviewed?
Annually, or anytime activities, land access, or guest volume changes.

Insurance built for life outdoors.

From ranch-based hunting operations to destination lodges and fishing guides, Republic Insurance Group delivers insurance designed for the realities of guiding and outfitting.