Covers bodily injury and property damage claims from clients and participants. Outdoor recreation businesses face elevated liability risk — participant injuries are common and claims can be significant.

Covers claims arising from professional errors, omissions, or negligent instruction. For guide services, instructors, and outfitters, professional liability (errors & omissions) is essential coverage.

Covers your business equipment, gear, vehicles, and facilities. Outdoor recreation equipment is expensive and subject to heavy use — replacement cost coverage is essential.

Covers vehicles used to transport clients, equipment, and staff. Personal auto policies exclude commercial use — if you use vehicles for your outdoor recreation business, commercial auto coverage is required.

Covers medical expenses for participants injured during your activities, regardless of fault. This coverage provides faster claims resolution and reduces the likelihood of liability claims from injured participants.

Covers portable equipment, gear, and tools used in the field — kayaks, bikes, climbing gear, camping equipment. Equipment floaters cover items away from your business premises.