I agree to the following:

I understand that insurance coverage is not bound or altered until I receive confirmation by an authorized representative of Top O' Michigan Insurance *

Outfitters and Guides

To request a quote for your outdoor adventure business, complete this form. 

One of the most important things you do is to make sure your clients enjoy a safe and unique outdoor experience.  However, it is equally as important that your business is properly protected so you're equipped to handle unexpected situations that may cause damage to your property or injury to your clients.  

Because your business is unique, it deserves specialized attention.  It is important to choose an insurance company that understands these needs and can provide the proper coverages for your business.  Top O' Michigan Insurance Solutions is dedicated to providing you with an affordable insurance product designed especially for your needs.  

Outdoor Adventure Program

This program is designed exclusively for the needs of organizations active in outdoor recreation including:

  • Fishing Guides 
  • Hunting Guides
  • Boat/Canoe Rental
  • Hunting Preserves
  • Rod and Gun Clubs
  • Sportsmen's Clubs
  • Rifle and Pistol Ranges
  • Archery Ranges
  • Wildlife Conservation Clubs 
  • Special Events
  • And more...

Coverage Highlights

These critical coverages are available specifically for this program:

  • Fishing and Hunting Equipment
  • Boats, Motors, Trailers
  • Fishing, Hunting, Camping Supplies
  • Personal Property of Others
  • Business Income
  • Property In Transit
  • Employee Theft
  • Emergency Vacating Expense
  • Equipment Breakdown
  • General Liability
  • Professional Liability - Professional services in teaching gun safety or other courses
  • Sports Participant Legal Liability - Covers hunting, shooting, archery if a participant sues (despite having signed a waiver)
  • Medical Payments
  • Abuse and Molestation
  • Employment Practices Liability
  • Business Auto
  • Not-For-Profit Directors & Officers
  • Workers Compensation
  • Commercial Umbrella

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Mio
607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
455 Bay St, Ste C
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664