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Guiding clients on the water or in the field is a livelihood built on trust, skill, and a lot of specialized gear. Our Outdoor Adventure Program is made for it — protecting your equipment, your watercraft, and your professional reputation so one bad day doesn't end your season. From drift boats to duck blinds, we get what you do.
Guiding carries risks most policies never imagine — a client injured on a wade trip, a firearm-instruction claim, gear stolen from a trailer, or a boat lost in transit. Our program is built around those realities, with the professional and participant liability that outfitters genuinely need. It's part of our broader hospitality and recreation program.
Fishing and hunting equipment, plus boats, motors, and trailers.
Covers clients' property and your gear while being transported.
Including gun-safety and firearms instruction exposures.
For injuries to clients taking part in a guided activity.
Important protection for operations working with youth and groups.
Directors & officers coverage for clubs and conservation organizations.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your operation.
Typically general and professional liability, participant liability for clients, plus coverage for your equipment and gear — on site, in the field, and in transit. We write this through our Outdoor Adventure Program. Coverage is subject to underwriting.
It can. Sports and participant liability addresses claims when a client is injured during a guided trip or activity — a core exposure for outfitters and guides.
Yes. Equipment and gear coverage — including property of others and items in transit — protects the tools your business depends on, not just at a fixed location.
Yes — fishing and hunting guides, boat and canoe rentals, hunting preserves, rod & gun clubs, and rifle, pistol, and archery ranges. Coverage fits the activity.
Professional liability covers claims that your guiding services or advice caused harm or loss — beyond general premises liability. For guides, it’s an important added layer.
Protect your gear, your clients, and your reputation. Talk with a local Michigan agent who knows the outdoors.
