Colonial General Insurance Agency, Inc. offers a specialized Outfitters Insurance program tailored for businesses involved in outdoor recreational activities. This program is ideal for outfitters and guide services that provide hunting, fishing, hiking, backpacking, or cross-country skiing excursions. Operations that sell or rent outdoor equipment and supplies—without offering guided services—are also eligible under this program.
Ideal Accounts and Appetite
This program is designed for outfitters and outdoor guides operating in the Western U.S. who need strong liability and property coverage. Target risks include:
- Hunting and fishing guides
- Backpacking and hiking tour operators
- Cross-country skiing instructors and guides
- Outdoor gear rental businesses
Whether your client operates a remote wilderness camp or a storefront offering outdoor equipment rentals, Colonial General can help you place the business.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 occurrence and aggregate
- $5,000 Medical Payments included
- Errors and Omissions coverage up to policy limits
- Excess or Umbrella limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Basic, Broad, or Special Form available
- Building and Contents coverage
- Business Income and Equipment Breakdown
- Computer Equipment and Inland Marine
- Outside Signs and Scheduled Property Floater
- Accounts Receivable and Valuable Papers
- Replacement Cost or Actual Cash Value
Crime Coverage Features:
- Theft of Money and Securities (Inside the Premises)
- Robbery or Safe Burglary of Other Property (Inside the Premises)
- Theft or Robbery (Outside the Premises)
Underwriting Notes and Minimum Premiums
Coverage is available on a mono-line or package basis, depending on your client’s needs. While minimum premiums are not specified, risks are evaluated based on operations, location, and coverage selections. The program is written through a variety of markets, giving flexibility in underwriting and pricing.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and Colonial General will help guide you to the best fit based on your client’s risk profile and location.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche outdoor and recreation risks. With access to a broad range of carriers and flexible underwriting options, they are well-positioned to help agents and brokers secure comprehensive coverage for their outfitter clients. From backcountry fishing guides to seasonal ski tour operators, Colonial General understands the unique risks and coverage needs of the outdoor industry.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include hunting and fishing guides, hiking and backpacking tour operators, cross-country skiing instructors, and outdoor gear rental businesses.
Is this program available for mono-line policies?
Yes, Colonial General offers both mono-line and package options depending on the insured’s needs.
Are non-guided outdoor equipment businesses eligible?
Yes, businesses that provide outdoor equipment and supplies without offering guided services are also eligible under this program.
What limits are available for liability coverage?
Liability coverage offers primary limits up to $3,000,000 occurrence/aggregate and excess or umbrella limits up to $25,000,000.
Which states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.