Colonial General Insurance Agency, Inc. offers a specialized Guide Insurance program designed for outdoor recreational service providers. This program is ideal for businesses offering guided activities such as hunting, fishing, hiking, backpacking, and cross-country skiing. It also accommodates outfitters who supply outdoor equipment and gear without directly providing guide services.
Ideal Accounts and Appetite
This program targets small to mid-sized guide and outfitter operations located in the western U.S., including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Eligible classes include:
- Hunting and fishing guides
- Hiking and backpacking tour providers
- Cross-country skiing instructors and guides
- Outdoor equipment suppliers and outfitters (non-guided)
Whether your client operates seasonally or year-round, Colonial General can help you place coverage that addresses the unique exposures of guiding services in rugged and remote environments.
Coverage Highlights and Advantages
Commercial General Liability Coverage available for guides:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payments included
- Errors and Omissions Coverage—up to policy limits
- Excess or Umbrella limits up to $25,000,000
- No deductible required
Property Coverage available:
- Building, Contents, and Business Income
- Basic, Broad, or Special Form available
- Replacement Cost or Actual Cash Value options
- Computer Equipment and Equipment Breakdown
- Scheduled Property Floater and Inland Marine
- Valuable Papers and Accounts Receivable
- Outside Signs
Crime Coverage available for guides:
- Inside the Premises—Theft of Money and Securities
- Robbery or Safe Burglary of Other Property
- Outside the Premises coverage for transit exposures
This comprehensive suite of coverages ensures your clients are protected from typical exposures faced by outdoor recreation businesses, including professional liability, property loss, and crime-related risks.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to provide flexible solutions tailored to each account. While minimum premiums are not listed, underwriting is competitive and responsive. Submissions are evaluated based on services offered, experience, safety protocols, and geographic location.
You might have a client who runs a small outfitter shop in Colorado that rents gear and occasionally leads weekend backpacking trips. Or perhaps a fishing guide in Idaho looking for liability protection and inland marine coverage for boats and equipment. These types of operations may be a strong fit for this program.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is offered through both admitted and non-admitted markets, depending on the risk characteristics and state regulations.
Why Work With Colonial General
Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and E&S broker with deep expertise in niche and hard-to-place risks. Their Guide Insurance program reflects a strong understanding of the outdoor recreation industry and its unique insurance needs. With access to multiple markets and a flexible underwriting approach, Colonial General helps independent agents place business efficiently and competitively.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include guided hunting, fishing, hiking, and cross-country skiing operations, as well as outfitters that provide outdoor gear without offering guided services.
Is Errors and Omissions (E&O) coverage included?
Yes, E&O coverage is included up to the policy limits as part of the Commercial General Liability section.
Can this coverage be written on a mono-line basis?
Yes, both mono-line and package policy options are available to suit your client’s needs.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What carriers does Colonial General work with for this program?
Colonial General works with a variety of carriers and markets, offering both admitted and non-admitted options depending on the account and location.
Need help placing an account? Connect with a market specialist.