Hunting & Fishing Outfitter Insurance Coverage Checklist
The coverages a hunting & fishing outfitter business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for hunting and fishing guides and outfitters. Priorities reflect typical exposure; confirm against activities.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (Guided Activities) | Covers client injuries — confirm hunting and firearms aren't excluded. | Core | |
| Watercraft / Protection & Indemnity | Covers boats carrying clients — often excluded from general liability. | Prevalent | |
| Care, Custody & Control (Animals) | Covers horses and pack animals and injuries they cause. | Situational | |
| Commercial Auto | Covers vehicles transporting clients and gear. | Core | |
| Liquor Liability | Needed if alcohol is served at camps or lodges. | Situational | |
| Commercial Property | Covers lodges, cabins, and equipment. | Situational | |
| Workers' Compensation | Covers employed guides. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is firearms and watercraft. Many general liability policies exclude hunting, firearms, or boats — the core of a guided trip — while tree stand falls leave many injured hunters permanently disabled. Outfitters should confirm hunting and firearms coverage, add watercraft liability, and use written releases.
Send us the checklist and we'll review your hunting & fishing outfitter coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hunting & Fishing Outfitter Insurance · Hunting & Fishing Outfitter Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hunting & fishing outfitter business need?
The core coverages for a hunting & fishing outfitter business are General Liability (Guided Activities), Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hunting & fishing outfitter coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.