Sports, Fitness & Recreation

Guides and Outfitters Insurance in Ontario

Backcountry business, front-country coverage.

Guiding takes paying clients into managed risk — water, wilderness, weather. Participant liability written for the actual activities, plus equipment and vehicles, is the working structure; Crown land permits often demand proof.

We insure guides and outfitters across activities, from paddling to hunting to backcountry touring.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Participant liability rated per activity
Equipment coverage for boats, gear, and camps
Commercial auto for business vehicles
Event liability, including set-up and tear-down days

Good to know

Frequently asked questions

Do waivers actually hold up for guided trips?: Well-drafted, properly executed waivers carry real weight in Canadian courts — and still get challenged. Insurers expect them as a condition; the policy funds the fight when a challenge comes.
How much does guides and outfitters insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get guides and outfitters insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Frequently asked questions

Do waivers actually hold up for guided trips?

Well-drafted, properly executed waivers carry real weight in Canadian courts — and still get challenged. Insurers expect them as a condition; the policy funds the fight when a challenge comes.

How much does guides and outfitters insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get guides and outfitters insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.