Outdoor Recreation Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Outdoor Recreation Insurance

As an insurance producer, it’s a good idea to offer outdoor recreation insurance to your clients. The outdoor recreation industry generated $689 billion in consumer spending and provided 4.3 million jobs nationwide in 2020. The passionate business owners and outdoor guides in this industry provide forms of entertainment and fun ways to stay healthy for people all over the country. However, there are unique risks to this industry that need to be addressed and as a result, many business owners are looking for specialty liability coverage.

If you’re an insurance producer looking to write more business and provide insurance solutions to your outdoor recreation clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can provide customized insurance policies with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure outdoor rec businesses all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for the outdoor recreation industry. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following outdoor recreation classes:

  • Guided Tours
  • Outdoor Guides
  • Rentals
  • Outfitted Travel
  • Boating
  • RVing
  • ATVing
  • Motorcycling
  • Hunting, Shooting, and Trapping
  • Equestrian
  • Snow Skiing and Snowboarding
  • Snowmobiling
  • Water Sports
  • Jet Skiing
  • Mountain Climbing and Hiking
  • Mountain Biking
  • Parasailing
  • Paragliding
  • Skydiving
  • And More!

Coverage Options

  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Animal Liability
  • Equipment Rental Liability
  • Personal Liability
  • Premises Liability
  • Products Liability
  • Professional Liability (E&O)
  • Property Coverage
  • Riot and Civil Commotion Liability Coverage
  • Special Events Liability
  • Active Shooter Liability Coverage
  • Communicable Disease Liability Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • TRU Umbrella / Excess Liability
  • And More


Who Needs Outdoor Recreation Insurance?

Many types of businesses and individuals need outdoor recreation insurance. Generally speaking, Prime can help outdoor recreation businesses, guided tour companies, outdoor guides, and companies that offer rentals.

A lot of insurance companies have gaps and exclusions in their policies that will likely not cover some of the activities being offered by outdoor recreation companies. However, Prime writes customized insurance policies based on the insured’s needs so they can operate their business with true peace of mind.

Furthermore, if your client in the outdoor recreation industry has been denied, canceled, or non-renewed by another insurance company, Prime can step in to offer insurance. When others can’t or won’t provide coverage, we do our best to provide a solution.

Outdoor Recreation Risks and Why Insurance is Necesssary

The outdoor recreation industry has many risks associated with it, particularly due to the dangers of being outside and using potentially dangerous equipment or rentals.

High-powered machines like boats, ATVs, jet skis, snowmobiles, and other recreational vehicles provide exhilarating thrills and fast speeds but come at the cost of requiring some training and safety protocols to be properly handled. Hiking, biking, and climbing range in difficulty but always pose the risk of slipping and falling. The point is, that each activity or sport within the outdoor recreation industry has their own unique risk. It’s important to assess these risks and make sure your outdoor rec clients are implementing proper risk management to avoid accidents and lawsuits.

There are lots of accident statistics out there regarding the outdoor recreation industry. For example, in 2020, there were at least 5,265 recreational boating accidents that involved 3,191 injuries and almost $63 million of damage to property. Biking, an activity enjoyed by millions of Americans, had the most injuries of any other sport. There were 425,910 injuries from biking and 229,974 injuries from ATVing in 2020, according to the Insurance Information Institute. Despite following the best safety practices, there’s always a chance that an incident, accident, or lawsuit can occur. Outdoor recreation insurance can help protect your client’s business and their assets should something like this happen to them.

Insurance for Outdoor Guides

Typically, outdoor guides are provided in a public or private setting. Sometimes, in addition to being a guide, they can be an instructor as well. Considering the aforementioned, unique risks are present.

Due to their expertise, outdoor guides can offer a unique experience for small and large groups. They might be able to take their customers to places an experienced adventurer would otherwise be unable to if they were alone. Guides can also provide a private experience that’s more hands-on.

As an insurance producer, you want to make sure these clients have insurance for outdoor guides. With Prime, they can have common coverages like personal or professional liability and they can also have specialty coverage such as alleged sexual abuse and molestation or equipment rental liability. Most importantly, Prime can be your client’s guide every step of the way if a claim or lawsuit occurs.

Insurance Providers for the Outdoor Recreation Industry and Prime Insurance Company

Looking for the best insurance provider in the outdoor recreation industry? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the insurance producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a long-lasting, healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you. We are a true insurance partner!

Get an Outdoor Recreation Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your outdoor recreation insurance quote today by clicking the “Get a Quote!” button above.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Outdoor recreation insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.